Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,526Not just lender fees.
Before credits & paid funds$17,526The complete starting cash picture.
Estimated remaining funds due at closing
$17,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$87,380.47
Your down payment$0.00
Closing costs + prepaids$17,526.49
Total buyer cash needed$17,526.49
Remaining funds due$17,526.49
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,561.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$750.00
Prepaid interest, first (12 days)$1,496.58
Fees + prepaids$17,526.49
Your down payment is the seller’s equity. You take over the $712,380 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $17,526.49 is due at closing. Not a Closing Disclosure.