Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,103Not just lender fees.
Before credits & paid funds$15,103The complete starting cash picture.
Estimated remaining funds due at closing
$15,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$2,945.56
Your down payment$0.00
Closing costs + prepaids$15,102.51
Total buyer cash needed$15,102.51
Remaining funds due$15,102.51
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%)$4,785.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,407.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$372.00
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$1,935.28
Fees + prepaids$15,102.51
Your down payment is the seller’s equity. You take over the $481,446 balance, so the rest of the $478,500 price is paid at closing. A second mortgage can cover part of it. $15,102.51 is due at closing. Not a Closing Disclosure.