Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,197Not just lender fees.
Before credits & paid funds$20,197The complete starting cash picture.
Estimated remaining funds due at closing
$20,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$16,908.35
Your down payment$0.00
Closing costs + prepaids$20,197.46
Total buyer cash needed$20,197.46
Remaining funds due$20,197.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,250.00
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)$1,812.50
Prepaid interest, first (28 days)$3,909.96
Fees + prepaids$20,197.46
Your down payment is the seller’s equity. You take over the $741,908 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $20,197.46 is due at closing. Not a Closing Disclosure.