Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,960Not just lender fees.
Before credits & paid funds$13,960The complete starting cash picture.
Estimated remaining funds due at closing
$13,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$51,622.33
Your down payment$0.00
Closing costs + prepaids$13,959.56
Total buyer cash needed$13,959.56
Remaining funds due$13,959.56
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,633.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$570.00
Prepaid interest, first (6 days)$538.45
Fees + prepaids$13,959.56
Your down payment is the seller’s equity. You take over the $526,622 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $13,959.56 is due at closing. Not a Closing Disclosure.