Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$23,285Not just lender fees.
Before credits & paid funds$23,285The complete starting cash picture.
Estimated remaining funds due at closing
$23,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$18,545.64
Your down payment$0.00
Closing costs + prepaids$23,284.77
Total buyer cash needed$23,284.77
Remaining funds due$23,284.77
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,837.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,872.50
Prepaid interest, first (27 days)$3,866.54
Fees + prepaids$23,284.77
Your down payment is the seller’s equity. You take over the $767,546 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $23,284.77 is due at closing. Not a Closing Disclosure.