Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,906Not just lender fees.
Before credits & paid funds$15,906The complete starting cash picture.
Estimated remaining funds due at closing
$15,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$68,201.72
Your down payment$0.00
Closing costs + prepaids$15,905.73
Total buyer cash needed$15,905.73
Remaining funds due$15,905.73
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,041.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$648.00
Initial HOA (3 months)$120.99
Prepaid interest, first (12 days)$1,227.73
Fees + prepaids$15,905.73
Your down payment is the seller’s equity. You take over the $608,202 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $15,905.73 is due at closing. Not a Closing Disclosure.