Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,033Not just lender fees.
Before credits & paid funds$13,033The complete starting cash picture.
Estimated remaining funds due at closing
$13,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$128,344.06
Your down payment$0.00
Closing costs + prepaids$13,032.90
Total buyer cash needed$13,032.90
Remaining funds due$13,032.90
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%)$3,299.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,291.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$314.50
Initial HOA (3 months)$186.00
Prepaid interest, first (20 days)$1,722.83
Fees + prepaids$13,032.90
Your down payment is the seller’s equity. You take over the $458,334 balance, so the rest of the $329,990 price is paid at closing. A second mortgage can cover part of it. $13,032.90 is due at closing. Not a Closing Disclosure.