Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,482Not just lender fees.
Before credits & paid funds$17,482The complete starting cash picture.
Estimated remaining funds due at closing
$17,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$31,055.07
Your down payment$0.00
Closing costs + prepaids$17,481.96
Total buyer cash needed$17,481.96
Remaining funds due$17,481.96
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,955.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$476.75
Initial HOA (3 months)$140.01
Prepaid interest, first (27 days)$2,841.92
Fees + prepaids$17,481.96
Your down payment is the seller’s equity. You take over the $591,055 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $17,481.96 is due at closing. Not a Closing Disclosure.