Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,936Not just lender fees.
Before credits & paid funds$15,936The complete starting cash picture.
Estimated remaining funds due at closing
$15,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$34,647.41
Your down payment$0.00
Closing costs + prepaids$15,935.70
Total buyer cash needed$15,935.70
Remaining funds due$15,935.70
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,498.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$717.25
Initial HOA (3 months)$185.01
Prepaid interest, first (27 days)$2,417.20
Fees + prepaids$15,935.70
Your down payment is the seller’s equity. You take over the $499,647 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $15,935.70 is due at closing. Not a Closing Disclosure.