Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,066Not just lender fees.
Before credits & paid funds$20,066The complete starting cash picture.
Estimated remaining funds due at closing
$20,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$25,167.18
Your down payment$0.00
Closing costs + prepaids$20,065.91
Total buyer cash needed$20,065.91
Remaining funds due$20,065.91
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%)$7,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,825.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$693.25
Initial HOA (3 months)$106.26
Prepaid interest, first (27 days)$1,822.57
Fees + prepaids$20,065.91
Your down payment is the seller’s equity. You take over the $765,167 balance, so the rest of the $740,000 price is paid at closing. A second mortgage can cover part of it. $20,065.91 is due at closing. Not a Closing Disclosure.