Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,236Not just lender fees.
Before credits & paid funds$12,236The complete starting cash picture.
Estimated remaining funds due at closing
$12,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$57,680.07
Your down payment$0.00
Closing costs + prepaids$12,236.16
Total buyer cash needed$12,236.16
Remaining funds due$12,236.16
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,813.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$366.00
Initial HOA (3 months)$1,329.00
Prepaid interest, first (7 days)$459.76
Fees + prepaids$12,236.16
Your down payment is the seller’s equity. You take over the $362,680 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $12,236.16 is due at closing. Not a Closing Disclosure.