Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,738Not just lender fees.
Before credits & paid funds$15,738The complete starting cash picture.
Estimated remaining funds due at closing
$15,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$955.51
Your down payment$0.00
Closing costs + prepaids$15,738.03
Total buyer cash needed$15,738.03
Remaining funds due$15,738.03
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%)$5,599.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,804.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,440.00
Initial HOA (3 months)$225.00
Prepaid interest, first (2 days)$200.40
Fees + prepaids$15,738.03
Your down payment is the seller’s equity. You take over the $560,946 balance, so the rest of the $559,990 price is paid at closing. A second mortgage can cover part of it. $15,738.03 is due at closing. Not a Closing Disclosure.