Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,865Not just lender fees.
Before credits & paid funds$15,865The complete starting cash picture.
Estimated remaining funds due at closing
$15,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$8,544.90
Your down payment$0.00
Closing costs + prepaids$15,865.27
Total buyer cash needed$15,865.27
Remaining funds due$15,865.27
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,392.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$924.75
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$2,356.31
Fees + prepaids$15,865.27
Your down payment is the seller’s equity. You take over the $478,445 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $15,865.27 is due at closing. Not a Closing Disclosure.