Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,610Not just lender fees.
Before credits & paid funds$16,610The complete starting cash picture.
Estimated remaining funds due at closing
$16,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$2,210.01
Your down payment$0.00
Closing costs + prepaids$16,610.38
Total buyer cash needed$16,610.38
Remaining funds due$16,610.38
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%)$2,511.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$713.50
Initial HOA (3 months)$42.99
Prepaid interest, first (31 days)$2,874.84
Fees + prepaids$16,610.38
Your down payment is the seller’s equity. You take over the $502,210 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $16,610.38 is due at closing. Not a Closing Disclosure.