Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,742Not just lender fees.
Before credits & paid funds$16,742The complete starting cash picture.
Estimated remaining funds due at closing
$16,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$19,422.24
Your down payment$0.00
Closing costs + prepaids$16,741.68
Total buyer cash needed$16,741.68
Remaining funds due$16,741.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,490.00
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)$1,622.50
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$1,854.18
Fees + prepaids$16,741.68
Your down payment is the seller’s equity. You take over the $668,422 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $16,741.68 is due at closing. Not a Closing Disclosure.