Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$25,331Not just lender fees.
Before credits & paid funds$25,331The complete starting cash picture.
Estimated remaining funds due at closing
$25,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$168,468.48
Your down payment$0.00
Closing costs + prepaids$25,330.71
Total buyer cash needed$25,330.71
Remaining funds due$25,330.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,000.00
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)$2,250.00
Initial HOA (3 months)$1,665.00
Prepaid interest, first (26 days)$5,190.71
Fees + prepaids$25,330.71
Your down payment is the seller’s equity. You take over the $1,068,468 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $25,330.71 is due at closing. Not a Closing Disclosure.