Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,883Not just lender fees.
Before credits & paid funds$15,883The complete starting cash picture.
Estimated remaining funds due at closing
$15,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$102,420.48
Your down payment$0.00
Closing costs + prepaids$15,883.40
Total buyer cash needed$15,883.40
Remaining funds due$15,883.40
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%)$4,475.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,749.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$362.75
Prepaid interest, first (30 days)$3,078.05
Fees + prepaids$15,883.40
Your down payment is the seller’s equity. You take over the $549,920 balance, so the rest of the $447,500 price is paid at closing. A second mortgage can cover part of it. $15,883.40 is due at closing. Not a Closing Disclosure.