Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,769Not just lender fees.
Before credits & paid funds$16,769The complete starting cash picture.
Estimated remaining funds due at closing
$16,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$11,644.95
Your down payment$0.00
Closing costs + prepaids$16,769.16
Total buyer cash needed$16,769.16
Remaining funds due$16,769.16
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,707.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$607.50
Initial HOA (3 months)$39.00
Prepaid interest, first (27 days)$2,647.93
Fees + prepaids$16,769.16
Your down payment is the seller’s equity. You take over the $541,545 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $16,769.16 is due at closing. Not a Closing Disclosure.