Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,255Not just lender fees.
Before credits & paid funds$15,255The complete starting cash picture.
Estimated remaining funds due at closing
$15,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$8,124.71
Your down payment$0.00
Closing costs + prepaids$15,254.89
Total buyer cash needed$15,254.89
Remaining funds due$15,254.89
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,140.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,139.50
Initial HOA (3 months)$171.00
Prepaid interest, first (30 days)$2,385.77
Fees + prepaids$15,254.89
Your down payment is the seller’s equity. You take over the $428,125 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $15,254.89 is due at closing. Not a Closing Disclosure.