Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,182Not just lender fees.
Before credits & paid funds$16,182The complete starting cash picture.
Estimated remaining funds due at closing
$16,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$4,688.02
Your down payment$0.00
Closing costs + prepaids$16,181.76
Total buyer cash needed$16,181.76
Remaining funds due$16,181.76
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,647.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$955.50
Initial HOA (3 months)$570.00
Prepaid interest, first (25 days)$1,291.32
Fees + prepaids$16,181.76
Your down payment is the seller’s equity. You take over the $529,588 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $16,181.76 is due at closing. Not a Closing Disclosure.