Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$33,080Not just lender fees.
Before credits & paid funds$33,080The complete starting cash picture.
Estimated remaining funds due at closing
$33,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$185,469.57
Your down payment$0.00
Closing costs + prepaids$33,079.67
Total buyer cash needed$33,079.67
Remaining funds due$33,079.67
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,427.35
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,566.75
Prepaid interest, first (30 days)$6,867.58
Fees + prepaids$33,079.67
Your down payment is the seller’s equity. You take over the $1,285,470 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $33,079.67 is due at closing. Not a Closing Disclosure.