Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,699Not just lender fees.
Before credits & paid funds$14,699The complete starting cash picture.
Estimated remaining funds due at closing
$14,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$43,654.60
Your down payment$0.00
Closing costs + prepaids$14,699.34
Total buyer cash needed$14,699.34
Remaining funds due$14,699.34
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,593.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,501.25
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$86.82
Fees + prepaids$14,699.34
Your down payment is the seller’s equity. You take over the $518,655 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $14,699.34 is due at closing. Not a Closing Disclosure.