Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$18,510Not just lender fees.
Before credits & paid funds$18,510The complete starting cash picture.
Estimated remaining funds due at closing
$18,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$66,269.30
Your down payment$0.00
Closing costs + prepaids$18,509.76
Total buyer cash needed$18,509.76
Remaining funds due$18,509.76
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,231.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$842.25
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$3,143.17
Fees + prepaids$18,509.76
Your down payment is the seller’s equity. You take over the $646,269 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $18,509.76 is due at closing. Not a Closing Disclosure.