Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$22,079Not just lender fees.
Before credits & paid funds$22,079The complete starting cash picture.
Estimated remaining funds due at closing
$22,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$218,336.20
Your down payment$0.00
Closing costs + prepaids$22,078.64
Total buyer cash needed$22,078.64
Remaining funds due$22,078.64
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,966.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,422.25
Initial HOA (3 months)$21.24
Prepaid interest, first (25 days)$3,450.47
Fees + prepaids$22,078.64
Your down payment is the seller’s equity. You take over the $793,336 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $22,078.64 is due at closing. Not a Closing Disclosure.