Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,919Not just lender fees.
Before credits & paid funds$13,919The complete starting cash picture.
Estimated remaining funds due at closing
$13,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$7,254.13
Your down payment$0.00
Closing costs + prepaids$13,919.00
Total buyer cash needed$13,919.00
Remaining funds due$13,919.00
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%)$4,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,476.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$585.50
Prepaid interest, first (9 days)$509.23
Fees + prepaids$13,919.00
Your down payment is the seller’s equity. You take over the $495,254 balance, so the rest of the $488,000 price is paid at closing. A second mortgage can cover part of it. $13,919.00 is due at closing. Not a Closing Disclosure.