Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$18,384Not just lender fees.
Before credits & paid funds$18,384The complete starting cash picture.
Estimated remaining funds due at closing
$18,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$17,222.95
Your down payment$0.00
Closing costs + prepaids$18,383.52
Total buyer cash needed$18,383.52
Remaining funds due$18,383.52
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%)$5,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,035.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,251.00
Initial HOA (3 months)$47.25
Prepaid interest, first (24 days)$2,682.65
Fees + prepaids$18,383.52
Your down payment is the seller’s equity. You take over the $607,123 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $18,383.52 is due at closing. Not a Closing Disclosure.