Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,140Not just lender fees.
Before credits & paid funds$17,140The complete starting cash picture.
Estimated remaining funds due at closing
$17,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$47,837.76
Your down payment$0.00
Closing costs + prepaids$17,140.38
Total buyer cash needed$17,140.38
Remaining funds due$17,140.38
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,639.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,200.00
Initial HOA (3 months)$582.00
Prepaid interest, first (25 days)$2,451.19
Fees + prepaids$17,140.38
Your down payment is the seller’s equity. You take over the $527,838 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $17,140.38 is due at closing. Not a Closing Disclosure.