Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,493Not just lender fees.
Before credits & paid funds$14,493The complete starting cash picture.
Estimated remaining funds due at closing
$14,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$72,031.86
Your down payment$0.00
Closing costs + prepaids$14,492.75
Total buyer cash needed$14,492.75
Remaining funds due$14,492.75
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,635.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$546.00
Initial HOA (3 months)$150.00
Prepaid interest, first (12 days)$1,143.59
Fees + prepaids$14,492.75
Your down payment is the seller’s equity. You take over the $527,032 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $14,492.75 is due at closing. Not a Closing Disclosure.