Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$19,446Not just lender fees.
Before credits & paid funds$19,446The complete starting cash picture.
Estimated remaining funds due at closing
$19,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$108,817.96
Your down payment$0.00
Closing costs + prepaids$19,446.36
Total buyer cash needed$19,446.36
Remaining funds due$19,446.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,000.00
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)$1,750.00
Prepaid interest, first (30 days)$4,221.36
Fees + prepaids$19,446.36
Your down payment is the seller’s equity. You take over the $808,818 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $19,446.36 is due at closing. Not a Closing Disclosure.