Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,777Not just lender fees.
Before credits & paid funds$13,777The complete starting cash picture.
Estimated remaining funds due at closing
$13,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$90,267.43
Your down payment$0.00
Closing costs + prepaids$13,776.54
Total buyer cash needed$13,776.54
Remaining funds due$13,776.54
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,446.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$476.25
Initial HOA (3 months)$276.00
Prepaid interest, first (20 days)$1,369.95
Fees + prepaids$13,776.54
Your down payment is the seller’s equity. You take over the $489,267 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $13,776.54 is due at closing. Not a Closing Disclosure.