Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,265Not just lender fees.
Before credits & paid funds$20,265The complete starting cash picture.
Estimated remaining funds due at closing
$20,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$1,343.49
Your down payment$0.00
Closing costs + prepaids$20,265.13
Total buyer cash needed$20,265.13
Remaining funds due$20,265.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,650.00
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)$1,995.25
Initial HOA (3 months)$285.00
Prepaid interest, first (23 days)$3,109.88
Fees + prepaids$20,265.13
Your down payment is the seller’s equity. You take over the $766,343 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $20,265.13 is due at closing. Not a Closing Disclosure.