Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,413Not just lender fees.
Before credits & paid funds$16,413The complete starting cash picture.
Estimated remaining funds due at closing
$16,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$15,376.13
Your down payment$0.00
Closing costs + prepaids$16,412.67
Total buyer cash needed$16,412.67
Remaining funds due$16,412.67
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%)$5,748.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,951.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$653.75
Initial HOA (3 months)$525.00
Prepaid interest, first (21 days)$1,066.29
Fees + prepaids$16,412.67
Your down payment is the seller’s equity. You take over the $590,226 balance, so the rest of the $574,850 price is paid at closing. A second mortgage can cover part of it. $16,412.67 is due at closing. Not a Closing Disclosure.