Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,983Not just lender fees.
Before credits & paid funds$15,983The complete starting cash picture.
Estimated remaining funds due at closing
$15,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$53,388.45
Your down payment$0.00
Closing costs + prepaids$15,983.19
Total buyer cash needed$15,983.19
Remaining funds due$15,983.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,750.00
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)$810.00
Initial HOA (3 months)$315.00
Prepaid interest, first (12 days)$1,633.19
Fees + prepaids$15,983.19
Your down payment is the seller’s equity. You take over the $728,388 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $15,983.19 is due at closing. Not a Closing Disclosure.