Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$28,811Not just lender fees.
Before credits & paid funds$28,811The complete starting cash picture.
Estimated remaining funds due at closing
$28,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$378,931.58
Your down payment$0.00
Closing costs + prepaids$28,810.79
Total buyer cash needed$28,810.79
Remaining funds due$28,810.79
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,389.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,483.25
Initial HOA (3 months)$60.00
Prepaid interest, first (26 days)$4,669.88
Fees + prepaids$28,810.79
Your down payment is the seller’s equity. You take over the $1,277,932 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $28,810.79 is due at closing. Not a Closing Disclosure.