Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,694Not just lender fees.
Before credits & paid funds$12,694The complete starting cash picture.
Estimated remaining funds due at closing
$12,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$20,472.79
Your down payment$0.00
Closing costs + prepaids$12,693.80
Total buyer cash needed$12,693.80
Remaining funds due$12,693.80
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%)$4,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,227.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$510.00
Prepaid interest, first (6 days)$488.43
Fees + prepaids$12,693.80
Your down payment is the seller’s equity. You take over the $445,473 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $12,693.80 is due at closing. Not a Closing Disclosure.