Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,799Not just lender fees.
Before credits & paid funds$17,799The complete starting cash picture.
Estimated remaining funds due at closing
$17,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$68,552.03
Your down payment$0.00
Closing costs + prepaids$17,799.28
Total buyer cash needed$17,799.28
Remaining funds due$17,799.28
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,017.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$727.75
Initial HOA (3 months)$114.00
Prepaid interest, first (31 days)$3,121.77
Fees + prepaids$17,799.28
Your down payment is the seller’s equity. You take over the $603,552 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $17,799.28 is due at closing. Not a Closing Disclosure.