Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,787Not just lender fees.
Before credits & paid funds$20,787The complete starting cash picture.
Estimated remaining funds due at closing
$20,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$129,427.41
Your down payment$0.00
Closing costs + prepaids$20,787.33
Total buyer cash needed$20,787.33
Remaining funds due$20,787.33
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,647.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Initial HOA (3 months)$870.00
Prepaid interest, first (27 days)$3,302.20
Fees + prepaids$20,787.33
Your down payment is the seller’s equity. You take over the $729,426 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $20,787.33 is due at closing. Not a Closing Disclosure.