Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,563Not just lender fees.
Before credits & paid funds$12,563The complete starting cash picture.
Estimated remaining funds due at closing
$12,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$3,858.82
Your down payment$0.00
Closing costs + prepaids$12,562.62
Total buyer cash needed$12,562.62
Remaining funds due$12,562.62
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,018.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,019.75
Prepaid interest, first (4 days)$307.08
Fees + prepaids$12,562.62
Your down payment is the seller’s equity. You take over the $403,759 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $12,562.62 is due at closing. Not a Closing Disclosure.