Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$31,970Not just lender fees.
Before credits & paid funds$31,970The complete starting cash picture.
Estimated remaining funds due at closing
$31,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$3,165,839.70
Your down payment$0.00
Closing costs + prepaids$31,970.14
Total buyer cash needed$31,970.14
Remaining funds due$31,970.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,979.00
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)$329.00
Initial HOA (3 months)$420.00
Prepaid interest, first (28 days)$18,767.14
Fees + prepaids$31,970.14
Your down payment is the seller’s equity. You take over the $3,763,740 balance, so the rest of the $597,900 price is paid at closing. A second mortgage can cover part of it. $31,970.14 is due at closing. Not a Closing Disclosure.