Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,860Not just lender fees.
Before credits & paid funds$12,860The complete starting cash picture.
Estimated remaining funds due at closing
$12,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$60,151.41
Your down payment$0.00
Closing costs + prepaids$12,859.74
Total buyer cash needed$12,859.74
Remaining funds due$12,859.74
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%)$3,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,950.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$576.50
Initial HOA (3 months)$324.00
Prepaid interest, first (21 days)$1,490.49
Fees + prepaids$12,859.74
Your down payment is the seller’s equity. You take over the $390,151 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $12,859.74 is due at closing. Not a Closing Disclosure.