Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,292Not just lender fees.
Before credits & paid funds$13,292The complete starting cash picture.
Estimated remaining funds due at closing
$13,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$76,634.30
Your down payment$0.00
Closing costs + prepaids$13,291.53
Total buyer cash needed$13,291.53
Remaining funds due$13,291.53
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,558.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$862.00
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$48.36
Fees + prepaids$13,291.53
Your down payment is the seller’s equity. You take over the $511,634 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $13,291.53 is due at closing. Not a Closing Disclosure.