Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$41,272Not just lender fees.
Before credits & paid funds$41,272The complete starting cash picture.
Estimated remaining funds due at closing
$41,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$61,632.20
Your down payment$0.00
Closing costs + prepaids$41,271.73
Total buyer cash needed$41,271.73
Remaining funds due$41,271.73
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%)$15,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$8,248.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,970.00
Prepaid interest, first (27 days)$6,955.57
Fees + prepaids$41,271.73
Your down payment is the seller’s equity. You take over the $1,649,632 balance, so the rest of the $1,588,000 price is paid at closing. A second mortgage can cover part of it. $41,271.73 is due at closing. Not a Closing Disclosure.