Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,474Not just lender fees.
Before credits & paid funds$17,474The complete starting cash picture.
Estimated remaining funds due at closing
$17,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$47,836.64
Your down payment$0.00
Closing costs + prepaids$17,474.36
Total buyer cash needed$17,474.36
Remaining funds due$17,474.36
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,364.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$750.00
Initial HOA (3 months)$384.99
Prepaid interest, first (10 days)$1,257.19
Fees + prepaids$17,474.36
Your down payment is the seller’s equity. You take over the $672,837 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $17,474.36 is due at closing. Not a Closing Disclosure.