Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$19,517Not just lender fees.
Before credits & paid funds$19,517The complete starting cash picture.
Estimated remaining funds due at closing
$19,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$204,153.62
Your down payment$0.00
Closing costs + prepaids$19,516.73
Total buyer cash needed$19,516.73
Remaining funds due$19,516.73
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%)$6,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,520.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,750.00
Initial HOA (3 months)$450.00
Prepaid interest, first (2 days)$327.97
Fees + prepaids$19,516.73
Your down payment is the seller’s equity. You take over the $904,153 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $19,516.73 is due at closing. Not a Closing Disclosure.