Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,865Not just lender fees.
Before credits & paid funds$17,865The complete starting cash picture.
Estimated remaining funds due at closing
$17,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$41,908.99
Your down payment$0.00
Closing costs + prepaids$17,864.87
Total buyer cash needed$17,864.87
Remaining funds due$17,864.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$2,104.00
Prepaid interest, first (27 days)$3,285.87
Fees + prepaids$17,864.87
Your down payment is the seller’s equity. You take over the $641,909 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $17,864.87 is due at closing. Not a Closing Disclosure.