Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$18,010Not just lender fees.
Before credits & paid funds$18,010The complete starting cash picture.
Estimated remaining funds due at closing
$18,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$6,620.53
Your down payment$0.00
Closing costs + prepaids$18,009.71
Total buyer cash needed$18,009.71
Remaining funds due$18,009.71
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%)$7,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,533.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$270.00
Initial HOA (3 months)$185.01
Prepaid interest, first (25 days)$1,553.60
Fees + prepaids$18,009.71
Your down payment is the seller’s equity. You take over the $706,621 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $18,009.71 is due at closing. Not a Closing Disclosure.