Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,479Not just lender fees.
Before credits & paid funds$13,479The complete starting cash picture.
Estimated remaining funds due at closing
$13,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$34,316.04
Your down payment$0.00
Closing costs + prepaids$13,479.33
Total buyer cash needed$13,479.33
Remaining funds due$13,479.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,771.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$800.00
Initial HOA (3 months)$1,155.00
Prepaid interest, first (25 days)$1,334.75
Fees + prepaids$13,479.33
Your down payment is the seller’s equity. You take over the $354,316 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $13,479.33 is due at closing. Not a Closing Disclosure.