Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,716Not just lender fees.
Before credits & paid funds$16,716The complete starting cash picture.
Estimated remaining funds due at closing
$16,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$3,374.05
Your down payment$0.00
Closing costs + prepaids$16,716.16
Total buyer cash needed$16,716.16
Remaining funds due$16,716.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$1,332.75
Initial HOA (3 months)$215.01
Prepaid interest, first (26 days)$2,694.40
Fees + prepaids$16,716.16
Your down payment is the seller’s equity. You take over the $603,274 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $16,716.16 is due at closing. Not a Closing Disclosure.