Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$47,279Not just lender fees.
Before credits & paid funds$47,279The complete starting cash picture.
Estimated remaining funds due at closing
$47,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$154,674.09
Your down payment$0.00
Closing costs + prepaids$47,279.33
Total buyer cash needed$47,279.33
Remaining funds due$47,279.33
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%)$18,888.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$10,217.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,722.25
Initial HOA (3 months)$450.00
Prepaid interest, first (18 days)$6,782.39
Fees + prepaids$47,279.33
Your down payment is the seller’s equity. You take over the $2,043,562 balance, so the rest of the $1,888,888 price is paid at closing. A second mortgage can cover part of it. $47,279.33 is due at closing. Not a Closing Disclosure.