Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,810Not just lender fees.
Before credits & paid funds$17,810The complete starting cash picture.
Estimated remaining funds due at closing
$17,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$285,193.99
Your down payment$0.00
Closing costs + prepaids$17,810.00
Total buyer cash needed$17,810.00
Remaining funds due$17,810.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,790.00
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)$737.75
Prepaid interest, first (24 days)$2,057.25
Fees + prepaids$17,810.00
Your down payment is the seller’s equity. You take over the $1,064,194 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $17,810.00 is due at closing. Not a Closing Disclosure.