Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$22,393Not just lender fees.
Before credits & paid funds$22,393The complete starting cash picture.
Estimated remaining funds due at closing
$22,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$1,538.11
Your down payment$0.00
Closing costs + prepaids$22,392.68
Total buyer cash needed$22,392.68
Remaining funds due$22,392.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,652.50
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)$2,163.25
Initial HOA (3 months)$582.00
Prepaid interest, first (25 days)$3,769.93
Fees + prepaids$22,392.68
Your down payment is the seller’s equity. You take over the $866,788 balance, so the rest of the $865,250 price is paid at closing. A second mortgage can cover part of it. $22,392.68 is due at closing. Not a Closing Disclosure.