Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,935Not just lender fees.
Before credits & paid funds$14,935The complete starting cash picture.
Estimated remaining funds due at closing
$14,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$165,549.19
Your down payment$0.00
Closing costs + prepaids$14,934.95
Total buyer cash needed$14,934.95
Remaining funds due$14,934.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,500.00
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)$533.75
Prepaid interest, first (28 days)$2,426.20
Fees + prepaids$14,934.95
Your down payment is the seller’s equity. You take over the $715,549 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $14,934.95 is due at closing. Not a Closing Disclosure.