Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,224Not just lender fees.
Before credits & paid funds$20,224The complete starting cash picture.
Estimated remaining funds due at closing
$20,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$184,706.26
Your down payment$0.00
Closing costs + prepaids$20,224.13
Total buyer cash needed$20,224.13
Remaining funds due$20,224.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,849.00
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)$1,712.25
Initial HOA (3 months)$1,374.00
Prepaid interest, first (23 days)$3,813.88
Fees + prepaids$20,224.13
Your down payment is the seller’s equity. You take over the $869,606 balance, so the rest of the $684,900 price is paid at closing. A second mortgage can cover part of it. $20,224.13 is due at closing. Not a Closing Disclosure.