Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,357Not just lender fees.
Before credits & paid funds$16,357The complete starting cash picture.
Estimated remaining funds due at closing
$16,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$21,279.36
Your down payment$0.00
Closing costs + prepaids$16,357.19
Total buyer cash needed$16,357.19
Remaining funds due$16,357.19
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%)$4,899.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,556.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$905.25
Initial HOA (3 months)$159.99
Prepaid interest, first (27 days)$2,367.57
Fees + prepaids$16,357.19
Your down payment is the seller’s equity. You take over the $511,278 balance, so the rest of the $489,999 price is paid at closing. A second mortgage can cover part of it. $16,357.19 is due at closing. Not a Closing Disclosure.