Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,030Not just lender fees.
Before credits & paid funds$15,030The complete starting cash picture.
Estimated remaining funds due at closing
$15,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$79,141.13
Your down payment$0.00
Closing costs + prepaids$15,029.88
Total buyer cash needed$15,029.88
Remaining funds due$15,029.88
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,795.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$576.00
Initial HOA (3 months)$440.25
Prepaid interest, first (9 days)$949.93
Fees + prepaids$15,029.88
Your down payment is the seller’s equity. You take over the $559,141 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $15,029.88 is due at closing. Not a Closing Disclosure.