Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$31,115Not just lender fees.
Before credits & paid funds$31,115The complete starting cash picture.
Estimated remaining funds due at closing
$31,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$63,060.29
Your down payment$0.00
Closing costs + prepaids$31,115.30
Total buyer cash needed$31,115.30
Remaining funds due$31,115.30
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%)$10,899.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,765.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,144.75
Initial HOA (3 months)$264.00
Prepaid interest, first (22 days)$4,823.26
Fees + prepaids$31,115.30
Your down payment is the seller’s equity. You take over the $1,153,059 balance, so the rest of the $1,089,999 price is paid at closing. A second mortgage can cover part of it. $31,115.30 is due at closing. Not a Closing Disclosure.