Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,312Not just lender fees.
Before credits & paid funds$14,312The complete starting cash picture.
Estimated remaining funds due at closing
$14,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$50,920.97
Your down payment$0.00
Closing costs + prepaids$14,311.90
Total buyer cash needed$14,311.90
Remaining funds due$14,311.90
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,704.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,139.00
Prepaid interest, first (1 days)$101.79
Fees + prepaids$14,311.90
Your down payment is the seller’s equity. You take over the $540,821 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $14,311.90 is due at closing. Not a Closing Disclosure.