Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,311Not just lender fees.
Before credits & paid funds$15,311The complete starting cash picture.
Estimated remaining funds due at closing
$15,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$25,286.12
Your down payment$0.00
Closing costs + prepaids$15,311.06
Total buyer cash needed$15,311.06
Remaining funds due$15,311.06
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,276.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,223.00
Initial HOA (3 months)$228.00
Prepaid interest, first (30 days)$2,065.63
Fees + prepaids$15,311.06
Your down payment is the seller’s equity. You take over the $455,286 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $15,311.06 is due at closing. Not a Closing Disclosure.