Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$27,487Not just lender fees.
Before credits & paid funds$27,487The complete starting cash picture.
Estimated remaining funds due at closing
$27,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$16,827.67
Your down payment$0.00
Closing costs + prepaids$27,486.53
Total buyer cash needed$27,486.53
Remaining funds due$27,486.53
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%)$9,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,784.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$909.25
Initial HOA (3 months)$576.00
Prepaid interest, first (31 days)$5,599.15
Fees + prepaids$27,486.53
Your down payment is the seller’s equity. You take over the $956,828 balance, so the rest of the $940,000 price is paid at closing. A second mortgage can cover part of it. $27,486.53 is due at closing. Not a Closing Disclosure.