CF12 closes the gravity and black-hole branch of the Complete Formalism program at the derived- limit level. It does not introduce primitive spacetime, primitive gravitation, or primitive horizon thermodynamics. Instead it inherits the primitive bifurcation invariant and non-discharge law from CF000, the derived carrier from CF00, the J ⊕ M reversible/irreversible split from CF01, the boundary-concentration hierarchy law from CF03, the finite-speed telegraph cone from CF04, and the dark-sector cosmological background from CF11, and then derives gravity as the carrier-level geometric response to invariant-burden gradients. The completed formalism consists of: (i) an equivalence principle in which inertial and gravitational mass are two measurements of the same burden functional; (ii) a Lorentzian metric whose null cone is fixed by the inherited transport cone; (iii) an Einstein-form effective field equation with an explicit saturation correction sector; (iv) Schwarzschild-form exterior geometry and horizon formation as same-domain saturation rather than annihilation; (v) black-hole entropy as boundary articulation count with the area law and Hawking temperature emerging from saturation geometry; (vi) information preservation and Page-curve behavior as articulation-budget transfer; and (vii) an explicit gravitational back-reaction correction term for the CF11 cosmogenesis residual. In this way CF12 is not a roadmap to gravity. It is the completed gravity module of the present VDM canon, with its low-energy closure, black-hole thermodynamics, and observational gates written as one coherent derived formalism.