Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,992Not just lender fees.
Before credits & paid funds$13,992The complete starting cash picture.
Estimated remaining funds due at closing
$13,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$2,945.56
Your down payment$0.00
Closing costs + prepaids$13,991.53
Total buyer cash needed$13,991.53
Remaining funds due$13,991.53
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%)$4,785.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,407.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$574.25
Initial HOA (3 months)$135.00
Prepaid interest, first (9 days)$622.05
Fees + prepaids$13,991.53
Your down payment is the seller’s equity. You take over the $481,446 balance, so the rest of the $478,500 price is paid at closing. A second mortgage can cover part of it. $13,991.53 is due at closing. Not a Closing Disclosure.