Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,937Not just lender fees.
Before credits & paid funds$15,937The complete starting cash picture.
Estimated remaining funds due at closing
$15,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$22,357.22
Your down payment$0.00
Closing costs + prepaids$15,936.72
Total buyer cash needed$15,936.72
Remaining funds due$15,936.72
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%)$2,611.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$503.75
Prepaid interest, first (27 days)$2,353.18
Fees + prepaids$15,936.72
Your down payment is the seller’s equity. You take over the $522,357 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $15,936.72 is due at closing. Not a Closing Disclosure.