Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,045Not just lender fees.
Before credits & paid funds$20,045The complete starting cash picture.
Estimated remaining funds due at closing
$20,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$7,715.05
Your down payment$0.00
Closing costs + prepaids$20,044.55
Total buyer cash needed$20,044.55
Remaining funds due$20,044.55
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%)$6,297.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,187.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,574.50
Initial HOA (3 months)$438.00
Prepaid interest, first (26 days)$3,078.82
Fees + prepaids$20,044.55
Your down payment is the seller’s equity. You take over the $637,492 balance, so the rest of the $629,777 price is paid at closing. A second mortgage can cover part of it. $20,044.55 is due at closing. Not a Closing Disclosure.