Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,012Not just lender fees.
Before credits & paid funds$15,012The complete starting cash picture.
Estimated remaining funds due at closing
$15,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$9,183.83
Your down payment$0.00
Closing costs + prepaids$15,011.96
Total buyer cash needed$15,011.96
Remaining funds due$15,011.96
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,370.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$298.25
Initial HOA (3 months)$180.99
Prepaid interest, first (23 days)$2,043.80
Fees + prepaids$15,011.96
Your down payment is the seller’s equity. You take over the $474,184 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $15,011.96 is due at closing. Not a Closing Disclosure.