Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,432Not just lender fees.
Before credits & paid funds$20,432The complete starting cash picture.
Estimated remaining funds due at closing
$20,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$50,548.49
Your down payment$0.00
Closing costs + prepaids$20,432.28
Total buyer cash needed$20,432.28
Remaining funds due$20,432.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,250.00
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)$1,415.25
Initial HOA (3 months)$464.25
Prepaid interest, first (26 days)$2,077.78
Fees + prepaids$20,432.28
Your down payment is the seller’s equity. You take over the $975,548 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $20,432.28 is due at closing. Not a Closing Disclosure.