Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$21,870Not just lender fees.
Before credits & paid funds$21,870The complete starting cash picture.
Estimated remaining funds due at closing
$21,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$29,427.71
Your down payment$0.00
Closing costs + prepaids$21,869.96
Total buyer cash needed$21,869.96
Remaining funds due$21,869.96
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%)$6,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,642.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,747.50
Prepaid interest, first (29 days)$4,022.32
Fees + prepaids$21,869.96
Your down payment is the seller’s equity. You take over the $728,428 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $21,869.96 is due at closing. Not a Closing Disclosure.