Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,867Not just lender fees.
Before credits & paid funds$17,867The complete starting cash picture.
Estimated remaining funds due at closing
$17,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$19,216.50
Your down payment$0.00
Closing costs + prepaids$17,867.37
Total buyer cash needed$17,867.37
Remaining funds due$17,867.37
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,821.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$629.50
Initial HOA (3 months)$384.00
Prepaid interest, first (31 days)$3,114.78
Fees + prepaids$17,867.37
Your down payment is the seller’s equity. You take over the $564,216 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $17,867.37 is due at closing. Not a Closing Disclosure.