Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,915Not just lender fees.
Before credits & paid funds$17,915The complete starting cash picture.
Estimated remaining funds due at closing
$17,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$146,183.10
Your down payment$0.00
Closing costs + prepaids$17,914.92
Total buyer cash needed$17,914.92
Remaining funds due$17,914.92
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,230.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$438.75
Prepaid interest, first (28 days)$3,777.25
Fees + prepaids$17,914.92
Your down payment is the seller’s equity. You take over the $646,183 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $17,914.92 is due at closing. Not a Closing Disclosure.