Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,196Not just lender fees.
Before credits & paid funds$13,196The complete starting cash picture.
Estimated remaining funds due at closing
$13,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$28,951.08
Your down payment$0.00
Closing costs + prepaids$13,195.81
Total buyer cash needed$13,195.81
Remaining funds due$13,195.81
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,969.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.00
Initial HOA (3 months)$1,605.00
Prepaid interest, first (7 days)$315.05
Fees + prepaids$13,195.81
Your down payment is the seller’s equity. You take over the $393,951 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $13,195.81 is due at closing. Not a Closing Disclosure.