Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,778Not just lender fees.
Before credits & paid funds$17,778The complete starting cash picture.
Estimated remaining funds due at closing
$17,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$17,872.68
Your down payment$0.00
Closing costs + prepaids$17,777.73
Total buyer cash needed$17,777.73
Remaining funds due$17,777.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,250.00
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)$1,562.50
Initial HOA (3 months)$480.00
Prepaid interest, first (27 days)$3,010.23
Fees + prepaids$17,777.73
Your down payment is the seller’s equity. You take over the $642,873 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $17,777.73 is due at closing. Not a Closing Disclosure.