Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$23,423Not just lender fees.
Before credits & paid funds$23,423The complete starting cash picture.
Estimated remaining funds due at closing
$23,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$11,753.55
Your down payment$0.00
Closing costs + prepaids$23,422.57
Total buyer cash needed$23,422.57
Remaining funds due$23,422.57
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%)$7,749.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,933.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,937.50
Prepaid interest, first (25 days)$3,583.46
Fees + prepaids$23,422.57
Your down payment is the seller’s equity. You take over the $786,744 balance, so the rest of the $774,990 price is paid at closing. A second mortgage can cover part of it. $23,422.57 is due at closing. Not a Closing Disclosure.