Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,800Not just lender fees.
Before credits & paid funds$20,800The complete starting cash picture.
Estimated remaining funds due at closing
$20,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$2,093.50
Your down payment$0.00
Closing costs + prepaids$20,799.91
Total buyer cash needed$20,799.91
Remaining funds due$20,799.91
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%)$8,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,210.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,008.00
Prepaid interest, first (12 days)$963.45
Fees + prepaids$20,799.91
Your down payment is the seller’s equity. You take over the $842,094 balance, so the rest of the $840,000 price is paid at closing. A second mortgage can cover part of it. $20,799.91 is due at closing. Not a Closing Disclosure.