Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,018Not just lender fees.
Before credits & paid funds$15,018The complete starting cash picture.
Estimated remaining funds due at closing
$15,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$49,578.28
Your down payment$0.00
Closing costs + prepaids$15,017.98
Total buyer cash needed$15,017.98
Remaining funds due$15,017.98
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,892.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$634.75
Prepaid interest, first (12 days)$732.34
Fees + prepaids$15,017.98
Your down payment is the seller’s equity. You take over the $578,578 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $15,017.98 is due at closing. Not a Closing Disclosure.