Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,442Not just lender fees.
Before credits & paid funds$15,442The complete starting cash picture.
Estimated remaining funds due at closing
$15,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$16,920.21
Your down payment$0.00
Closing costs + prepaids$15,441.60
Total buyer cash needed$15,441.60
Remaining funds due$15,441.60
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,334.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$860.25
Initial HOA (3 months)$297.00
Prepaid interest, first (26 days)$2,231.75
Fees + prepaids$15,441.60
Your down payment is the seller’s equity. You take over the $466,920 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $15,441.60 is due at closing. Not a Closing Disclosure.