Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,993Not just lender fees.
Before credits & paid funds$15,993The complete starting cash picture.
Estimated remaining funds due at closing
$15,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$35,461.09
Your down payment$0.00
Closing costs + prepaids$15,993.17
Total buyer cash needed$15,993.17
Remaining funds due$15,993.17
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,377.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,226.75
Initial HOA (3 months)$114.00
Prepaid interest, first (31 days)$2,657.11
Fees + prepaids$15,993.17
Your down payment is the seller’s equity. You take over the $475,461 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $15,993.17 is due at closing. Not a Closing Disclosure.