Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$26,743Not just lender fees.
Before credits & paid funds$26,743The complete starting cash picture.
Estimated remaining funds due at closing
$26,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$100,247.12
Your down payment$0.00
Closing costs + prepaids$26,743.28
Total buyer cash needed$26,743.28
Remaining funds due$26,743.28
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,626.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,062.50
Initial HOA (3 months)$720.00
Prepaid interest, first (29 days)$4,866.55
Fees + prepaids$26,743.28
Your down payment is the seller’s equity. You take over the $925,247 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $26,743.28 is due at closing. Not a Closing Disclosure.