Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$19,587Not just lender fees.
Before credits & paid funds$19,587The complete starting cash picture.
Estimated remaining funds due at closing
$19,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$1,357.86
Your down payment$0.00
Closing costs + prepaids$19,586.95
Total buyer cash needed$19,586.95
Remaining funds due$19,586.95
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,001.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$820.50
Initial HOA (3 months)$768.00
Prepaid interest, first (31 days)$3,538.66
Fees + prepaids$19,586.95
Your down payment is the seller’s equity. You take over the $600,358 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $19,586.95 is due at closing. Not a Closing Disclosure.