Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,515Not just lender fees.
Before credits & paid funds$17,515The complete starting cash picture.
Estimated remaining funds due at closing
$17,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$20,590.85
Your down payment$0.00
Closing costs + prepaids$17,515.15
Total buyer cash needed$17,515.15
Remaining funds due$17,515.15
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,347.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,601.25
Initial HOA (3 months)$1,110.00
Prepaid interest, first (31 days)$2,747.94
Fees + prepaids$17,515.15
Your down payment is the seller’s equity. You take over the $469,591 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $17,515.15 is due at closing. Not a Closing Disclosure.