Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,106Not just lender fees.
Before credits & paid funds$20,106The complete starting cash picture.
Estimated remaining funds due at closing
$20,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$50,816.74
Your down payment$0.00
Closing costs + prepaids$20,105.94
Total buyer cash needed$20,105.94
Remaining funds due$20,105.94
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%)$6,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,454.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,600.00
Initial HOA (3 months)$1,041.00
Prepaid interest, first (18 days)$2,142.86
Fees + prepaids$20,105.94
Your down payment is the seller’s equity. You take over the $690,817 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $20,105.94 is due at closing. Not a Closing Disclosure.