Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$22,499Not just lender fees.
Before credits & paid funds$22,499The complete starting cash picture.
Estimated remaining funds due at closing
$22,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$638.61
Your down payment$0.00
Closing costs + prepaids$22,499.08
Total buyer cash needed$22,499.08
Remaining funds due$22,499.08
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%)$9,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,578.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,098.00
Initial HOA (3 months)$24.99
Prepaid interest, first (12 days)$1,429.90
Fees + prepaids$22,499.08
Your down payment is the seller’s equity. You take over the $915,639 balance, so the rest of the $915,000 price is paid at closing. A second mortgage can cover part of it. $22,499.08 is due at closing. Not a Closing Disclosure.