Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,774Not just lender fees.
Before credits & paid funds$16,774The complete starting cash picture.
Estimated remaining funds due at closing
$16,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$14,574.40
Your down payment$0.00
Closing costs + prepaids$16,773.80
Total buyer cash needed$16,773.80
Remaining funds due$16,773.80
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,572.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$693.25
Initial HOA (3 months)$201.00
Prepaid interest, first (31 days)$2,840.18
Fees + prepaids$16,773.80
Your down payment is the seller’s equity. You take over the $514,474 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $16,773.80 is due at closing. Not a Closing Disclosure.