Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,544Not just lender fees.
Before credits & paid funds$17,544The complete starting cash picture.
Estimated remaining funds due at closing
$17,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$43,237.96
Your down payment$0.00
Closing costs + prepaids$17,543.54
Total buyer cash needed$17,543.54
Remaining funds due$17,543.54
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,391.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$885.75
Initial HOA (3 months)$120.00
Prepaid interest, first (22 days)$1,328.60
Fees + prepaids$17,543.54
Your down payment is the seller’s equity. You take over the $678,238 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $17,543.54 is due at closing. Not a Closing Disclosure.