Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,804Not just lender fees.
Before credits & paid funds$15,804The complete starting cash picture.
Estimated remaining funds due at closing
$15,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$142,627.67
Your down payment$0.00
Closing costs + prepaids$15,803.68
Total buyer cash needed$15,803.68
Remaining funds due$15,803.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$1,500.00
Prepaid interest, first (28 days)$1,828.69
Fees + prepaids$15,803.68
Your down payment is the seller’s equity. You take over the $742,627 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $15,803.68 is due at closing. Not a Closing Disclosure.