Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$21,398Not just lender fees.
Before credits & paid funds$21,398The complete starting cash picture.
Estimated remaining funds due at closing
$21,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$58,179.84
Your down payment$0.00
Closing costs + prepaids$21,398.33
Total buyer cash needed$21,398.33
Remaining funds due$21,398.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.99
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)$2,000.00
Prepaid interest, first (25 days)$4,173.34
Fees + prepaids$21,398.33
Your down payment is the seller’s equity. You take over the $858,179 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $21,398.33 is due at closing. Not a Closing Disclosure.