Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,052Not just lender fees.
Before credits & paid funds$17,052The complete starting cash picture.
Estimated remaining funds due at closing
$17,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$45,724.08
Your down payment$0.00
Closing costs + prepaids$17,051.62
Total buyer cash needed$17,051.62
Remaining funds due$17,051.62
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,453.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,696.75
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$2,208.26
Fees + prepaids$17,051.62
Your down payment is the seller’s equity. You take over the $490,724 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $17,051.62 is due at closing. Not a Closing Disclosure.