Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,701Not just lender fees.
Before credits & paid funds$16,701The complete starting cash picture.
Estimated remaining funds due at closing
$16,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$88,913.41
Your down payment$0.00
Closing costs + prepaids$16,701.14
Total buyer cash needed$16,701.14
Remaining funds due$16,701.14
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,444.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,000.00
Initial HOA (3 months)$1,302.00
Prepaid interest, first (30 days)$2,736.58
Fees + prepaids$16,701.14
Your down payment is the seller’s equity. You take over the $488,913 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $16,701.14 is due at closing. Not a Closing Disclosure.