Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$21,630Not just lender fees.
Before credits & paid funds$21,630The complete starting cash picture.
Estimated remaining funds due at closing
$21,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$3,276.73
Your down payment$0.00
Closing costs + prepaids$21,629.63
Total buyer cash needed$21,629.63
Remaining funds due$21,629.63
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%)$7,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,941.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$981.25
Initial HOA (3 months)$234.00
Prepaid interest, first (16 days)$2,405.00
Fees + prepaids$21,629.63
Your down payment is the seller’s equity. You take over the $788,277 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $21,629.63 is due at closing. Not a Closing Disclosure.