Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,258Not just lender fees.
Before credits & paid funds$20,258The complete starting cash picture.
Estimated remaining funds due at closing
$20,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$47,917.40
Your down payment$0.00
Closing costs + prepaids$20,258.29
Total buyer cash needed$20,258.29
Remaining funds due$20,258.29
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%)$6,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,539.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$139.25
Initial HOA (3 months)$429.00
Prepaid interest, first (31 days)$4,082.45
Fees + prepaids$20,258.29
Your down payment is the seller’s equity. You take over the $707,917 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $20,258.29 is due at closing. Not a Closing Disclosure.