Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$23,903Not just lender fees.
Before credits & paid funds$23,903The complete starting cash picture.
Estimated remaining funds due at closing
$23,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$246,791.96
Your down payment$0.00
Closing costs + prepaids$23,903.27
Total buyer cash needed$23,903.27
Remaining funds due$23,903.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,050.00
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)$2,262.50
Prepaid interest, first (26 days)$5,365.77
Fees + prepaids$23,903.27
Your down payment is the seller’s equity. You take over the $1,151,792 balance, so the rest of the $905,000 price is paid at closing. A second mortgage can cover part of it. $23,903.27 is due at closing. Not a Closing Disclosure.