Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$23,772Not just lender fees.
Before credits & paid funds$23,772The complete starting cash picture.
Estimated remaining funds due at closing
$23,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$124,051.40
Your down payment$0.00
Closing costs + prepaids$23,771.65
Total buyer cash needed$23,771.65
Remaining funds due$23,771.65
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%)$5,320.26
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,128.00
Prepaid interest, first (9 days)$1,705.40
Fees + prepaids$23,771.65
Your down payment is the seller’s equity. You take over the $1,064,051 balance, so the rest of the $940,000 price is paid at closing. A second mortgage can cover part of it. $23,771.65 is due at closing. Not a Closing Disclosure.