Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$24,718Not just lender fees.
Before credits & paid funds$24,718The complete starting cash picture.
Estimated remaining funds due at closing
$24,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$79,601.53
Your down payment$0.00
Closing costs + prepaids$24,718.39
Total buyer cash needed$24,718.39
Remaining funds due$24,718.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,990.00
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)$2,497.50
Prepaid interest, first (28 days)$5,005.89
Fees + prepaids$24,718.39
Your down payment is the seller’s equity. You take over the $1,078,602 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $24,718.39 is due at closing. Not a Closing Disclosure.