Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,961Not just lender fees.
Before credits & paid funds$13,961The complete starting cash picture.
Estimated remaining funds due at closing
$13,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$10,357.37
Your down payment$0.00
Closing costs + prepaids$13,960.93
Total buyer cash needed$13,960.93
Remaining funds due$13,960.93
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,451.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$866.00
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$90.15
Fees + prepaids$13,960.93
Your down payment is the seller’s equity. You take over the $490,357 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $13,960.93 is due at closing. Not a Closing Disclosure.