Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,170Not just lender fees.
Before credits & paid funds$15,170The complete starting cash picture.
Estimated remaining funds due at closing
$15,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$31,544.17
Your down payment$0.00
Closing costs + prepaids$15,169.52
Total buyer cash needed$15,169.52
Remaining funds due$15,169.52
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,907.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Prepaid interest, first (6 days)$633.80
Fees + prepaids$15,169.52
Your down payment is the seller’s equity. You take over the $581,544 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $15,169.52 is due at closing. Not a Closing Disclosure.