Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,140Not just lender fees.
Before credits & paid funds$14,140The complete starting cash picture.
Estimated remaining funds due at closing
$14,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$47,843.80
Your down payment$0.00
Closing costs + prepaids$14,140.14
Total buyer cash needed$14,140.14
Remaining funds due$14,140.14
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%)$4,282.85
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,380.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$81.24
Prepaid interest, first (26 days)$2,177.41
Fees + prepaids$14,140.14
Your down payment is the seller’s equity. You take over the $476,129 balance, so the rest of the $428,285 price is paid at closing. A second mortgage can cover part of it. $14,140.14 is due at closing. Not a Closing Disclosure.