Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,544Not just lender fees.
Before credits & paid funds$14,544The complete starting cash picture.
Estimated remaining funds due at closing
$14,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$22,515.78
Your down payment$0.00
Closing costs + prepaids$14,543.87
Total buyer cash needed$14,543.87
Remaining funds due$14,543.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,394.70
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)$522.75
Initial HOA (3 months)$84.99
Prepaid interest, first (28 days)$1,066.43
Fees + prepaids$14,543.87
Your down payment is the seller’s equity. You take over the $661,986 balance, so the rest of the $639,470 price is paid at closing. A second mortgage can cover part of it. $14,543.87 is due at closing. Not a Closing Disclosure.