Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$24,396Not just lender fees.
Before credits & paid funds$24,396The complete starting cash picture.
Estimated remaining funds due at closing
$24,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$159,967.57
Your down payment$0.00
Closing costs + prepaids$24,396.28
Total buyer cash needed$24,396.28
Remaining funds due$24,396.28
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%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,174.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,687.50
Initial HOA (3 months)$1,593.00
Prepaid interest, first (31 days)$4,722.94
Fees + prepaids$24,396.28
Your down payment is the seller’s equity. You take over the $834,968 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $24,396.28 is due at closing. Not a Closing Disclosure.