Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$24,189Not just lender fees.
Before credits & paid funds$24,189The complete starting cash picture.
Estimated remaining funds due at closing
$24,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$411,969.61
Your down payment$0.00
Closing costs + prepaids$24,188.72
Total buyer cash needed$24,188.72
Remaining funds due$24,188.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,485.73
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Initial HOA (3 months)$338.01
Prepaid interest, first (28 days)$4,139.98
Fees + prepaids$24,188.72
Your down payment is the seller’s equity. You take over the $1,660,543 balance, so the rest of the $1,248,573 price is paid at closing. A second mortgage can cover part of it. $24,188.72 is due at closing. Not a Closing Disclosure.