Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,434Not just lender fees.
Before credits & paid funds$16,434The complete starting cash picture.
Estimated remaining funds due at closing
$16,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$66,691.19
Your down payment$0.00
Closing costs + prepaids$16,434.36
Total buyer cash needed$16,434.36
Remaining funds due$16,434.36
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,032.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$858.25
Initial HOA (3 months)$336.00
Prepaid interest, first (18 days)$1,340.15
Fees + prepaids$16,434.36
Your down payment is the seller’s equity. You take over the $606,591 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $16,434.36 is due at closing. Not a Closing Disclosure.