Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,735Not just lender fees.
Before credits & paid funds$16,735The complete starting cash picture.
Estimated remaining funds due at closing
$16,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$64,221.28
Your down payment$0.00
Closing costs + prepaids$16,734.78
Total buyer cash needed$16,734.78
Remaining funds due$16,734.78
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,596.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$896.75
Initial HOA (3 months)$450.00
Prepaid interest, first (30 days)$2,773.92
Fees + prepaids$16,734.78
Your down payment is the seller’s equity. You take over the $519,221 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $16,734.78 is due at closing. Not a Closing Disclosure.