Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,310Not just lender fees.
Before credits & paid funds$15,310The complete starting cash picture.
Estimated remaining funds due at closing
$15,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$2,945.56
Your down payment$0.00
Closing costs + prepaids$15,309.86
Total buyer cash needed$15,309.86
Remaining funds due$15,309.86
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%)$4,785.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,407.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$372.00
Initial HOA (3 months)$135.00
Prepaid interest, first (31 days)$2,142.63
Fees + prepaids$15,309.86
Your down payment is the seller’s equity. You take over the $481,446 balance, so the rest of the $478,500 price is paid at closing. A second mortgage can cover part of it. $15,309.86 is due at closing. Not a Closing Disclosure.