Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$27,516Not just lender fees.
Before credits & paid funds$27,516The complete starting cash picture.
Estimated remaining funds due at closing
$27,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$48,755.35
Your down payment$0.00
Closing costs + prepaids$27,515.82
Total buyer cash needed$27,515.82
Remaining funds due$27,515.82
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,738.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,995.25
Initial HOA (3 months)$156.99
Prepaid interest, first (27 days)$4,416.80
Fees + prepaids$27,515.82
Your down payment is the seller’s equity. You take over the $947,755 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $27,515.82 is due at closing. Not a Closing Disclosure.