Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,549Not just lender fees.
Before credits & paid funds$13,549The complete starting cash picture.
Estimated remaining funds due at closing
$13,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$6,665.93
Your down payment$0.00
Closing costs + prepaids$13,548.68
Total buyer cash needed$13,548.68
Remaining funds due$13,548.68
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,008.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$607.50
Initial HOA (3 months)$315.00
Prepaid interest, first (31 days)$1,449.85
Fees + prepaids$13,548.68
Your down payment is the seller’s equity. You take over the $401,666 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $13,548.68 is due at closing. Not a Closing Disclosure.