Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,725Not just lender fees.
Before credits & paid funds$14,725The complete starting cash picture.
Estimated remaining funds due at closing
$14,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$21,279.36
Your down payment$0.00
Closing costs + prepaids$14,724.62
Total buyer cash needed$14,724.62
Remaining funds due$14,724.62
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%)$4,899.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,556.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$588.00
Initial HOA (3 months)$159.99
Prepaid interest, first (12 days)$1,052.25
Fees + prepaids$14,724.62
Your down payment is the seller’s equity. You take over the $511,278 balance, so the rest of the $489,999 price is paid at closing. A second mortgage can cover part of it. $14,724.62 is due at closing. Not a Closing Disclosure.