Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,840Not just lender fees.
Before credits & paid funds$15,840The complete starting cash picture.
Estimated remaining funds due at closing
$15,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$38,715.17
Your down payment$0.00
Closing costs + prepaids$15,839.75
Total buyer cash needed$15,839.75
Remaining funds due$15,839.75
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,643.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$279.75
Initial HOA (3 months)$393.00
Prepaid interest, first (24 days)$2,155.42
Fees + prepaids$15,839.75
Your down payment is the seller’s equity. You take over the $528,715 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $15,839.75 is due at closing. Not a Closing Disclosure.