Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$18,727Not just lender fees.
Before credits & paid funds$18,727The complete starting cash picture.
Estimated remaining funds due at closing
$18,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$75,648.49
Your down payment$0.00
Closing costs + prepaids$18,727.23
Total buyer cash needed$18,727.23
Remaining funds due$18,727.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,999.00
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)$1,080.00
Initial HOA (3 months)$464.25
Prepaid interest, first (12 days)$958.98
Fees + prepaids$18,727.23
Your down payment is the seller’s equity. You take over the $975,548 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $18,727.23 is due at closing. Not a Closing Disclosure.