Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,489Not just lender fees.
Before credits & paid funds$20,489The complete starting cash picture.
Estimated remaining funds due at closing
$20,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$62,795.56
Your down payment$0.00
Closing costs + prepaids$20,488.85
Total buyer cash needed$20,488.85
Remaining funds due$20,488.85
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,413.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,550.00
Initial HOA (3 months)$291.00
Prepaid interest, first (27 days)$3,565.88
Fees + prepaids$20,488.85
Your down payment is the seller’s equity. You take over the $682,796 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $20,488.85 is due at closing. Not a Closing Disclosure.