Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$21,454Not just lender fees.
Before credits & paid funds$21,454The complete starting cash picture.
Estimated remaining funds due at closing
$21,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$39,339.21
Your down payment$0.00
Closing costs + prepaids$21,453.87
Total buyer cash needed$21,453.87
Remaining funds due$21,453.87
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%)$6,925.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,659.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,731.25
Prepaid interest, first (27 days)$3,670.42
Fees + prepaids$21,453.87
Your down payment is the seller’s equity. You take over the $731,839 balance, so the rest of the $692,500 price is paid at closing. A second mortgage can cover part of it. $21,453.87 is due at closing. Not a Closing Disclosure.