Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$18,303Not just lender fees.
Before credits & paid funds$18,303The complete starting cash picture.
Estimated remaining funds due at closing
$18,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$23,719.85
Your down payment$0.00
Closing costs + prepaids$18,303.11
Total buyer cash needed$18,303.11
Remaining funds due$18,303.11
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)$2,390.50
Initial HOA (3 months)$108.99
Prepaid interest, first (28 days)$3,329.62
Fees + prepaids$18,303.11
Your down payment is the seller’s equity. You take over the $623,620 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $18,303.11 is due at closing. Not a Closing Disclosure.