Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$19,516Not just lender fees.
Before credits & paid funds$19,516The complete starting cash picture.
Estimated remaining funds due at closing
$19,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$25,293.51
Your down payment$0.00
Closing costs + prepaids$19,516.18
Total buyer cash needed$19,516.18
Remaining funds due$19,516.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,256.25
Prepaid interest, first (22 days)$3,284.93
Fees + prepaids$19,516.18
Your down payment is the seller’s equity. You take over the $800,294 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $19,516.18 is due at closing. Not a Closing Disclosure.