Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,834Not just lender fees.
Before credits & paid funds$15,834The complete starting cash picture.
Estimated remaining funds due at closing
$15,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$20,376.13
Your down payment$0.00
Closing costs + prepaids$15,834.14
Total buyer cash needed$15,834.14
Remaining funds due$15,834.14
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%)$5,698.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,951.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$683.75
Initial HOA (3 months)$525.00
Prepaid interest, first (10 days)$507.76
Fees + prepaids$15,834.14
Your down payment is the seller’s equity. You take over the $590,226 balance, so the rest of the $569,850 price is paid at closing. A second mortgage can cover part of it. $15,834.14 is due at closing. Not a Closing Disclosure.