Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$40,885Not just lender fees.
Before credits & paid funds$40,885The complete starting cash picture.
Estimated remaining funds due at closing
$40,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$168,019.43
Your down payment$0.00
Closing costs + prepaids$40,885.47
Total buyer cash needed$40,885.47
Remaining funds due$40,885.47
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%)$14,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$8,280.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,720.00
Prepaid interest, first (28 days)$7,787.37
Fees + prepaids$40,885.47
Your down payment is the seller’s equity. You take over the $1,656,019 balance, so the rest of the $1,488,000 price is paid at closing. A second mortgage can cover part of it. $40,885.47 is due at closing. Not a Closing Disclosure.