Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$18,830Not just lender fees.
Before credits & paid funds$18,830The complete starting cash picture.
Estimated remaining funds due at closing
$18,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$140,375.35
Your down payment$0.00
Closing costs + prepaids$18,830.02
Total buyer cash needed$18,830.02
Remaining funds due$18,830.02
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%)$5,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,226.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,110.00
Initial HOA (3 months)$98.01
Prepaid interest, first (24 days)$2,877.14
Fees + prepaids$18,830.02
Your down payment is the seller’s equity. You take over the $645,375 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $18,830.02 is due at closing. Not a Closing Disclosure.