Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,716Not just lender fees.
Before credits & paid funds$17,716The complete starting cash picture.
Estimated remaining funds due at closing
$17,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$16,661.13
Your down payment$0.00
Closing costs + prepaids$17,716.21
Total buyer cash needed$17,716.21
Remaining funds due$17,716.21
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%)$3,383.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$792.00
Initial HOA (3 months)$330.00
Prepaid interest, first (9 days)$1,142.91
Fees + prepaids$17,716.21
Your down payment is the seller’s equity. You take over the $676,661 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $17,716.21 is due at closing. Not a Closing Disclosure.