Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,715Not just lender fees.
Before credits & paid funds$15,715The complete starting cash picture.
Estimated remaining funds due at closing
$15,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$49,098.26
Your down payment$0.00
Closing costs + prepaids$15,714.72
Total buyer cash needed$15,714.72
Remaining funds due$15,714.72
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,440.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$392.00
Initial HOA (3 months)$447.00
Prepaid interest, first (31 days)$2,827.23
Fees + prepaids$15,714.72
Your down payment is the seller’s equity. You take over the $488,098 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $15,714.72 is due at closing. Not a Closing Disclosure.