Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,946Not just lender fees.
Before credits & paid funds$12,946The complete starting cash picture.
Estimated remaining funds due at closing
$12,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$17,459.28
Your down payment$0.00
Closing costs + prepaids$12,946.18
Total buyer cash needed$12,946.18
Remaining funds due$12,946.18
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,462.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$172.25
Prepaid interest, first (1 days)$93.63
Fees + prepaids$12,946.18
Your down payment is the seller’s equity. You take over the $492,459 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $12,946.18 is due at closing. Not a Closing Disclosure.