Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$19,338Not just lender fees.
Before credits & paid funds$19,338The complete starting cash picture.
Estimated remaining funds due at closing
$19,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$52,378.53
Your down payment$0.00
Closing costs + prepaids$19,338.47
Total buyer cash needed$19,338.47
Remaining funds due$19,338.47
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,256.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.50
Initial HOA (3 months)$1,710.00
Prepaid interest, first (23 days)$1,416.08
Fees + prepaids$19,338.47
Your down payment is the seller’s equity. You take over the $651,379 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $19,338.47 is due at closing. Not a Closing Disclosure.