Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$32,753Not just lender fees.
Before credits & paid funds$32,753The complete starting cash picture.
Estimated remaining funds due at closing
$32,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$3,220.16
Your down payment$0.00
Closing costs + prepaids$32,753.40
Total buyer cash needed$32,753.40
Remaining funds due$32,753.40
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%)$11,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,591.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,457.75
Initial HOA (3 months)$1,080.00
Prepaid interest, first (23 days)$5,256.55
Fees + prepaids$32,753.40
Your down payment is the seller’s equity. You take over the $1,118,220 balance, so the rest of the $1,115,000 price is paid at closing. A second mortgage can cover part of it. $32,753.40 is due at closing. Not a Closing Disclosure.