Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$19,885Not just lender fees.
Before credits & paid funds$19,885The complete starting cash picture.
Estimated remaining funds due at closing
$19,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$74,127.14
Your down payment$0.00
Closing costs + prepaids$19,884.90
Total buyer cash needed$19,884.90
Remaining funds due$19,884.90
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,370.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,679.75
Initial HOA (3 months)$177.00
Prepaid interest, first (24 days)$3,191.01
Fees + prepaids$19,884.90
Your down payment is the seller’s equity. You take over the $674,027 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $19,884.90 is due at closing. Not a Closing Disclosure.