Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$17,741Not just lender fees.
Before credits & paid funds$17,741The complete starting cash picture.
Estimated remaining funds due at closing
$17,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$63,046.34
Your down payment$0.00
Closing costs + prepaids$17,741.10
Total buyer cash needed$17,741.10
Remaining funds due$17,741.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$1,537.50
Prepaid interest, first (28 days)$3,578.60
Fees + prepaids$17,741.10
Your down payment is the seller’s equity. You take over the $678,046 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $17,741.10 is due at closing. Not a Closing Disclosure.