Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$18,642Not just lender fees.
Before credits & paid funds$18,642The complete starting cash picture.
Estimated remaining funds due at closing
$18,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$2,608.16
Your down payment$0.00
Closing costs + prepaids$18,641.57
Total buyer cash needed$18,641.57
Remaining funds due$18,641.57
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,513.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,250.00
Initial HOA (3 months)$2,250.00
Prepaid interest, first (30 days)$2,160.53
Fees + prepaids$18,641.57
Your down payment is the seller’s equity. You take over the $502,608 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $18,641.57 is due at closing. Not a Closing Disclosure.