Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$24,487Not just lender fees.
Before credits & paid funds$24,487The complete starting cash picture.
Estimated remaining funds due at closing
$24,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$6,946.42
Your down payment$0.00
Closing costs + prepaids$24,486.66
Total buyer cash needed$24,486.66
Remaining funds due$24,486.66
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%)$8,530.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,299.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$749.75
Initial HOA (3 months)$45.00
Prepaid interest, first (28 days)$4,644.18
Fees + prepaids$24,486.66
Your down payment is the seller’s equity. You take over the $859,946 balance, so the rest of the $853,000 price is paid at closing. A second mortgage can cover part of it. $24,486.66 is due at closing. Not a Closing Disclosure.