Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,456Not just lender fees.
Before credits & paid funds$20,456The complete starting cash picture.
Estimated remaining funds due at closing
$20,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$92,685.50
Your down payment$0.00
Closing costs + prepaids$20,456.30
Total buyer cash needed$20,456.30
Remaining funds due$20,456.30
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%)$3,963.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$423.25
Initial HOA (3 months)$225.00
Prepaid interest, first (23 days)$3,376.62
Fees + prepaids$20,456.30
Your down payment is the seller’s equity. You take over the $792,685 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $20,456.30 is due at closing. Not a Closing Disclosure.