Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,900Not just lender fees.
Before credits & paid funds$16,900The complete starting cash picture.
Estimated remaining funds due at closing
$16,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$22,003.88
Your down payment$0.00
Closing costs + prepaids$16,899.72
Total buyer cash needed$16,899.72
Remaining funds due$16,899.72
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,835.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$654.00
Initial HOA (3 months)$1,542.00
Prepaid interest, first (12 days)$950.70
Fees + prepaids$16,899.72
Your down payment is the seller’s equity. You take over the $567,004 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $16,899.72 is due at closing. Not a Closing Disclosure.