Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,920Not just lender fees.
Before credits & paid funds$15,920The complete starting cash picture.
Estimated remaining funds due at closing
$15,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$9,486.56
Your down payment$0.00
Closing costs + prepaids$15,919.89
Total buyer cash needed$15,919.89
Remaining funds due$15,919.89
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,322.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$879.25
Initial HOA (3 months)$207.00
Prepaid interest, first (31 days)$2,493.21
Fees + prepaids$15,919.89
Your down payment is the seller’s equity. You take over the $464,487 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $15,919.89 is due at closing. Not a Closing Disclosure.