Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,731Not just lender fees.
Before credits & paid funds$17,731The complete starting cash picture.
Estimated remaining funds due at closing
$17,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$25,165.81
Your down payment$0.00
Closing costs + prepaids$17,731.14
Total buyer cash needed$17,731.14
Remaining funds due$17,731.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,890.00
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)$1,472.50
Initial HOA (3 months)$1,071.00
Prepaid interest, first (25 days)$2,822.64
Fees + prepaids$17,731.14
Your down payment is the seller’s equity. You take over the $614,166 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $17,731.14 is due at closing. Not a Closing Disclosure.