Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,485Not just lender fees.
Before credits & paid funds$17,485The complete starting cash picture.
Estimated remaining funds due at closing
$17,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$88,555.63
Your down payment$0.00
Closing costs + prepaids$17,484.61
Total buyer cash needed$17,484.61
Remaining funds due$17,484.61
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%)$6,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,642.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,174.75
Initial HOA (3 months)$540.00
Prepaid interest, first (2 days)$259.09
Fees + prepaids$17,484.61
Your down payment is the seller’s equity. You take over the $728,556 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $17,484.61 is due at closing. Not a Closing Disclosure.