Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,856Not just lender fees.
Before credits & paid funds$12,856The complete starting cash picture.
Estimated remaining funds due at closing
$12,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$91,126.43
Your down payment$0.00
Closing costs + prepaids$12,855.73
Total buyer cash needed$12,855.73
Remaining funds due$12,855.73
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,555.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.00
Prepaid interest, first (12 days)$378.09
Fees + prepaids$12,855.73
Your down payment is the seller’s equity. You take over the $511,126 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $12,855.73 is due at closing. Not a Closing Disclosure.