Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$31,715Not just lender fees.
Before credits & paid funds$31,715The complete starting cash picture.
Estimated remaining funds due at closing
$31,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$5,504,641.56
Your down payment$0.00
Closing costs + prepaids$31,715.36
Total buyer cash needed$31,715.36
Remaining funds due$31,715.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,290.00
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)$2,322.50
Prepaid interest, first (26 days)$12,877.86
Fees + prepaids$31,715.36
Your down payment is the seller’s equity. You take over the $6,433,642 balance, so the rest of the $929,000 price is paid at closing. A second mortgage can cover part of it. $31,715.36 is due at closing. Not a Closing Disclosure.