Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$19,585Not just lender fees.
Before credits & paid funds$19,585The complete starting cash picture.
Estimated remaining funds due at closing
$19,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$24,774.06
Your down payment$0.00
Closing costs + prepaids$19,585.09
Total buyer cash needed$19,585.09
Remaining funds due$19,585.09
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,223.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,219.00
Initial HOA (3 months)$312.00
Prepaid interest, first (27 days)$3,162.22
Fees + prepaids$19,585.09
Your down payment is the seller’s equity. You take over the $644,774 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $19,585.09 is due at closing. Not a Closing Disclosure.