Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$25,226Not just lender fees.
Before credits & paid funds$25,226The complete starting cash picture.
Estimated remaining funds due at closing
$25,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$31,140.70
Your down payment$0.00
Closing costs + prepaids$25,226.13
Total buyer cash needed$25,226.13
Remaining funds due$25,226.13
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,905.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,961.25
Initial HOA (3 months)$435.00
Prepaid interest, first (31 days)$4,206.18
Fees + prepaids$25,226.13
Your down payment is the seller’s equity. You take over the $781,141 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $25,226.13 is due at closing. Not a Closing Disclosure.