Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$18,685Not just lender fees.
Before credits & paid funds$18,685The complete starting cash picture.
Estimated remaining funds due at closing
$18,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$88,175.86
Your down payment$0.00
Closing costs + prepaids$18,684.70
Total buyer cash needed$18,684.70
Remaining funds due$18,684.70
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%)$5,170.55
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,026.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,807.00
Initial HOA (3 months)$285.00
Prepaid interest, first (27 days)$2,927.99
Fees + prepaids$18,684.70
Your down payment is the seller’s equity. You take over the $605,231 balance, so the rest of the $517,055 price is paid at closing. A second mortgage can cover part of it. $18,684.70 is due at closing. Not a Closing Disclosure.