Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$40,723Not just lender fees.
Before credits & paid funds$40,723The complete starting cash picture.
Estimated remaining funds due at closing
$40,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$145,256.83
Your down payment$0.00
Closing costs + prepaids$40,723.44
Total buyer cash needed$40,723.44
Remaining funds due$40,723.44
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%)$16,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$8,851.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,668.75
Initial HOA (3 months)$327.00
Prepaid interest, first (25 days)$7,408.40
Fees + prepaids$40,723.44
Your down payment is the seller’s equity. You take over the $1,770,257 balance, so the rest of the $1,625,000 price is paid at closing. A second mortgage can cover part of it. $40,723.44 is due at closing. Not a Closing Disclosure.