Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,703Not just lender fees.
Before credits & paid funds$15,703The complete starting cash picture.
Estimated remaining funds due at closing
$15,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$31,932.30
Your down payment$0.00
Closing costs + prepaids$15,702.73
Total buyer cash needed$15,702.73
Remaining funds due$15,702.73
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,409.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$897.00
Initial HOA (3 months)$275.01
Prepaid interest, first (28 days)$2,403.06
Fees + prepaids$15,702.73
Your down payment is the seller’s equity. You take over the $481,932 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $15,702.73 is due at closing. Not a Closing Disclosure.