Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,175Not just lender fees.
Before credits & paid funds$17,175The complete starting cash picture.
Estimated remaining funds due at closing
$17,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$81,517.53
Your down payment$0.00
Closing costs + prepaids$17,175.46
Total buyer cash needed$17,175.46
Remaining funds due$17,175.46
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,007.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$753.50
Initial HOA (3 months)$186.00
Prepaid interest, first (23 days)$2,561.87
Fees + prepaids$17,175.46
Your down payment is the seller’s equity. You take over the $601,418 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $17,175.46 is due at closing. Not a Closing Disclosure.