Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,191Not just lender fees.
Before credits & paid funds$17,191The complete starting cash picture.
Estimated remaining funds due at closing
$17,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$68,555.14
Your down payment$0.00
Closing costs + prepaids$17,191.46
Total buyer cash needed$17,191.46
Remaining funds due$17,191.46
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,942.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$264.00
Initial HOA (3 months)$153.00
Prepaid interest, first (30 days)$3,163.69
Fees + prepaids$17,191.46
Your down payment is the seller’s equity. You take over the $588,555 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $17,191.46 is due at closing. Not a Closing Disclosure.