Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$33,816Not just lender fees.
Before credits & paid funds$33,816The complete starting cash picture.
Estimated remaining funds due at closing
$33,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$3,056,239.70
Your down payment$0.00
Closing costs + prepaids$33,816.14
Total buyer cash needed$33,816.14
Remaining funds due$33,816.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,075.00
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)$329.00
Initial HOA (3 months)$420.00
Prepaid interest, first (28 days)$18,767.14
Fees + prepaids$33,816.14
Your down payment is the seller’s equity. You take over the $3,763,740 balance, so the rest of the $707,500 price is paid at closing. A second mortgage can cover part of it. $33,816.14 is due at closing. Not a Closing Disclosure.