Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$19,340Not just lender fees.
Before credits & paid funds$19,340The complete starting cash picture.
Estimated remaining funds due at closing
$19,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$147,204.65
Your down payment$0.00
Closing costs + prepaids$19,340.07
Total buyer cash needed$19,340.07
Remaining funds due$19,340.07
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,231.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,247.50
Initial HOA (3 months)$2,850.00
Prepaid interest, first (27 days)$1,553.55
Fees + prepaids$19,340.07
Your down payment is the seller’s equity. You take over the $646,205 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $19,340.07 is due at closing. Not a Closing Disclosure.