Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,252Not just lender fees.
Before credits & paid funds$16,252The complete starting cash picture.
Estimated remaining funds due at closing
$16,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$16,837.57
Your down payment$0.00
Closing costs + prepaids$16,252.42
Total buyer cash needed$16,252.42
Remaining funds due$16,252.42
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%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,334.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,125.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (24 days)$1,995.25
Fees + prepaids$16,252.42
Your down payment is the seller’s equity. You take over the $466,837 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $16,252.42 is due at closing. Not a Closing Disclosure.