Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,197Not just lender fees.
Before credits & paid funds$12,197The complete starting cash picture.
Estimated remaining funds due at closing
$12,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$57,912.37
Your down payment$0.00
Closing costs + prepaids$12,197.45
Total buyer cash needed$12,197.45
Remaining funds due$12,197.45
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%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,864.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$509.00
Prepaid interest, first (25 days)$1,455.89
Fees + prepaids$12,197.45
Your down payment is the seller’s equity. You take over the $372,912 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $12,197.45 is due at closing. Not a Closing Disclosure.