Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,097Not just lender fees.
Before credits & paid funds$15,097The complete starting cash picture.
Estimated remaining funds due at closing
$15,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$16,490.78
Your down payment$0.00
Closing costs + prepaids$15,097.20
Total buyer cash needed$15,097.20
Remaining funds due$15,097.20
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,957.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$596.50
Initial HOA (3 months)$99.99
Prepaid interest, first (2 days)$225.25
Fees + prepaids$15,097.20
Your down payment is the seller’s equity. You take over the $591,491 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $15,097.20 is due at closing. Not a Closing Disclosure.