Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,540Not just lender fees.
Before credits & paid funds$13,540The complete starting cash picture.
Estimated remaining funds due at closing
$13,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$104,854.82
Your down payment$0.00
Closing costs + prepaids$13,539.59
Total buyer cash needed$13,539.59
Remaining funds due$13,539.59
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,398.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$580.75
Initial HOA (3 months)$168.00
Prepaid interest, first (26 days)$1,425.07
Fees + prepaids$13,539.59
Your down payment is the seller’s equity. You take over the $479,755 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $13,539.59 is due at closing. Not a Closing Disclosure.