Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,259Not just lender fees.
Before credits & paid funds$14,259The complete starting cash picture.
Estimated remaining funds due at closing
$14,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$44,494.68
Your down payment$0.00
Closing costs + prepaids$14,258.97
Total buyer cash needed$14,258.97
Remaining funds due$14,258.97
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%)$4,920.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,682.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$922.75
Initial HOA (3 months)$168.00
Prepaid interest, first (1 days)$97.74
Fees + prepaids$14,258.97
Your down payment is the seller’s equity. You take over the $536,495 balance, so the rest of the $492,000 price is paid at closing. A second mortgage can cover part of it. $14,258.97 is due at closing. Not a Closing Disclosure.