Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,822Not just lender fees.
Before credits & paid funds$14,822The complete starting cash picture.
Estimated remaining funds due at closing
$14,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$68,288.78
Your down payment$0.00
Closing costs + prepaids$14,822.11
Total buyer cash needed$14,822.11
Remaining funds due$14,822.11
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,391.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$284.50
Initial HOA (3 months)$204.00
Prepaid interest, first (31 days)$2,624.17
Fees + prepaids$14,822.11
Your down payment is the seller’s equity. You take over the $478,289 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $14,822.11 is due at closing. Not a Closing Disclosure.