Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,292Not just lender fees.
Before credits & paid funds$15,292The complete starting cash picture.
Estimated remaining funds due at closing
$15,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$68,201.72
Your down payment$0.00
Closing costs + prepaids$15,291.87
Total buyer cash needed$15,291.87
Remaining funds due$15,291.87
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,041.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$648.00
Initial HOA (3 months)$120.99
Prepaid interest, first (6 days)$613.87
Fees + prepaids$15,291.87
Your down payment is the seller’s equity. You take over the $608,202 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $15,291.87 is due at closing. Not a Closing Disclosure.