Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$18,466Not just lender fees.
Before credits & paid funds$18,466The complete starting cash picture.
Estimated remaining funds due at closing
$18,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$90,259.69
Your down payment$0.00
Closing costs + prepaids$18,466.42
Total buyer cash needed$18,466.42
Remaining funds due$18,466.42
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,326.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$694.50
Initial HOA (3 months)$99.99
Prepaid interest, first (26 days)$3,127.63
Fees + prepaids$18,466.42
Your down payment is the seller’s equity. You take over the $665,260 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $18,466.42 is due at closing. Not a Closing Disclosure.