Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$19,064Not just lender fees.
Before credits & paid funds$19,064The complete starting cash picture.
Estimated remaining funds due at closing
$19,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$54,261.88
Your down payment$0.00
Closing costs + prepaids$19,063.58
Total buyer cash needed$19,063.58
Remaining funds due$19,063.58
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%)$7,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,071.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$867.75
Prepaid interest, first (2 days)$306.52
Fees + prepaids$19,063.58
Your down payment is the seller’s equity. You take over the $814,262 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $19,063.58 is due at closing. Not a Closing Disclosure.