Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$23,188Not just lender fees.
Before credits & paid funds$23,188The complete starting cash picture.
Estimated remaining funds due at closing
$23,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$15,485.71
Your down payment$0.00
Closing costs + prepaids$23,187.96
Total buyer cash needed$23,187.96
Remaining funds due$23,187.96
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%)$8,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,222.43
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$999.00
Initial HOA (3 months)$150.00
Prepaid interest, first (22 days)$3,308.53
Fees + prepaids$23,187.96
Your down payment is the seller’s equity. You take over the $844,486 balance, so the rest of the $829,000 price is paid at closing. A second mortgage can cover part of it. $23,187.96 is due at closing. Not a Closing Disclosure.