Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,719Not just lender fees.
Before credits & paid funds$13,719The complete starting cash picture.
Estimated remaining funds due at closing
$13,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$289,772.63
Your down payment$0.00
Closing costs + prepaids$13,718.85
Total buyer cash needed$13,718.85
Remaining funds due$13,718.85
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%)$3,888.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,393.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$466.75
Prepaid interest, first (6 days)$751.92
Fees + prepaids$13,718.85
Your down payment is the seller’s equity. You take over the $678,661 balance, so the rest of the $388,888 price is paid at closing. A second mortgage can cover part of it. $13,718.85 is due at closing. Not a Closing Disclosure.