Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,317Not just lender fees.
Before credits & paid funds$14,317The complete starting cash picture.
Estimated remaining funds due at closing
$14,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$148,708.06
Your down payment$0.00
Closing costs + prepaids$14,317.19
Total buyer cash needed$14,317.19
Remaining funds due$14,317.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$757.75
Prepaid interest, first (22 days)$934.44
Fees + prepaids$14,317.19
Your down payment is the seller’s equity. You take over the $763,708 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $14,317.19 is due at closing. Not a Closing Disclosure.