Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,765Not just lender fees.
Before credits & paid funds$12,765The complete starting cash picture.
Estimated remaining funds due at closing
$12,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$4,041.82
Your down payment$0.00
Closing costs + prepaids$12,764.77
Total buyer cash needed$12,764.77
Remaining funds due$12,764.77
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,045.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$486.00
Prepaid interest, first (12 days)$965.56
Fees + prepaids$12,764.77
Your down payment is the seller’s equity. You take over the $409,042 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $12,764.77 is due at closing. Not a Closing Disclosure.