Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,835Not just lender fees.
Before credits & paid funds$12,835The complete starting cash picture.
Estimated remaining funds due at closing
$12,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$101,008.78
Your down payment$0.00
Closing costs + prepaids$12,834.75
Total buyer cash needed$12,834.75
Remaining funds due$12,834.75
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,355.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.00
Initial HOA (3 months)$740.25
Prepaid interest, first (9 days)$377.45
Fees + prepaids$12,834.75
Your down payment is the seller’s equity. You take over the $471,009 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $12,834.75 is due at closing. Not a Closing Disclosure.