Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,652Not just lender fees.
Before credits & paid funds$15,652The complete starting cash picture.
Estimated remaining funds due at closing
$15,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$13,045.61
Your down payment$0.00
Closing costs + prepaids$15,652.22
Total buyer cash needed$15,652.22
Remaining funds due$15,652.22
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,164.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,746.00
Initial HOA (3 months)$246.00
Prepaid interest, first (27 days)$2,078.49
Fees + prepaids$15,652.22
Your down payment is the seller’s equity. You take over the $432,946 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $15,652.22 is due at closing. Not a Closing Disclosure.