Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,818Not just lender fees.
Before credits & paid funds$15,818The complete starting cash picture.
Estimated remaining funds due at closing
$15,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$65,809.00
Your down payment$0.00
Closing costs + prepaids$15,817.73
Total buyer cash needed$15,817.73
Remaining funds due$15,817.73
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%)$3,789.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,223.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$947.25
Initial HOA (3 months)$1,470.00
Prepaid interest, first (26 days)$2,169.94
Fees + prepaids$15,817.73
Your down payment is the seller’s equity. You take over the $444,709 balance, so the rest of the $378,900 price is paid at closing. A second mortgage can cover part of it. $15,817.73 is due at closing. Not a Closing Disclosure.