Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,956Not just lender fees.
Before credits & paid funds$15,956The complete starting cash picture.
Estimated remaining funds due at closing
$15,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$80,302.62
Your down payment$0.00
Closing costs + prepaids$15,956.45
Total buyer cash needed$15,956.45
Remaining funds due$15,956.45
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,401.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$999.75
Initial HOA (3 months)$1,275.00
Prepaid interest, first (23 days)$2,063.69
Fees + prepaids$15,956.45
Your down payment is the seller’s equity. You take over the $480,203 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $15,956.45 is due at closing. Not a Closing Disclosure.