Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,369Not just lender fees.
Before credits & paid funds$16,369The complete starting cash picture.
Estimated remaining funds due at closing
$16,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$9,269.42
Your down payment$0.00
Closing costs + prepaids$16,368.84
Total buyer cash needed$16,368.84
Remaining funds due$16,368.84
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,671.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$505.75
Prepaid interest, first (26 days)$2,473.74
Fees + prepaids$16,368.84
Your down payment is the seller’s equity. You take over the $534,269 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $16,368.84 is due at closing. Not a Closing Disclosure.