Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$18,222Not just lender fees.
Before credits & paid funds$18,222The complete starting cash picture.
Estimated remaining funds due at closing
$18,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$194,852.01
Your down payment$0.00
Closing costs + prepaids$18,222.39
Total buyer cash needed$18,222.39
Remaining funds due$18,222.39
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,349.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,498.00
Initial HOA (3 months)$96.00
Prepaid interest, first (30 days)$3,061.13
Fees + prepaids$18,222.39
Your down payment is the seller’s equity. You take over the $669,852 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $18,222.39 is due at closing. Not a Closing Disclosure.