Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,138Not just lender fees.
Before credits & paid funds$16,138The complete starting cash picture.
Estimated remaining funds due at closing
$16,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$22,224.61
Your down payment$0.00
Closing costs + prepaids$16,138.20
Total buyer cash needed$16,138.20
Remaining funds due$16,138.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,500.00
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)$1,625.00
Prepaid interest, first (29 days)$1,538.20
Fees + prepaids$16,138.20
Your down payment is the seller’s equity. You take over the $672,225 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $16,138.20 is due at closing. Not a Closing Disclosure.