Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$25,379Not just lender fees.
Before credits & paid funds$25,379The complete starting cash picture.
Estimated remaining funds due at closing
$25,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$130,199.44
Your down payment$0.00
Closing costs + prepaids$25,378.96
Total buyer cash needed$25,378.96
Remaining funds due$25,378.96
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%)$8,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,651.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,479.50
Initial HOA (3 months)$171.00
Prepaid interest, first (28 days)$4,859.46
Fees + prepaids$25,378.96
Your down payment is the seller’s equity. You take over the $930,199 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $25,378.96 is due at closing. Not a Closing Disclosure.