Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,013Not just lender fees.
Before credits & paid funds$16,013The complete starting cash picture.
Estimated remaining funds due at closing
$16,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$26,919.54
Your down payment$0.00
Closing costs + prepaids$16,013.29
Total buyer cash needed$16,013.29
Remaining funds due$16,013.29
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,884.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,374.75
Initial HOA (3 months)$582.00
Prepaid interest, first (2 days)$205.44
Fees + prepaids$16,013.29
Your down payment is the seller’s equity. You take over the $576,820 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $16,013.29 is due at closing. Not a Closing Disclosure.