Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$21,347Not just lender fees.
Before credits & paid funds$21,347The complete starting cash picture.
Estimated remaining funds due at closing
$21,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$1,343.49
Your down payment$0.00
Closing costs + prepaids$21,346.83
Total buyer cash needed$21,346.83
Remaining funds due$21,346.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,650.00
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)$1,995.25
Initial HOA (3 months)$285.00
Prepaid interest, first (31 days)$4,191.58
Fees + prepaids$21,346.83
Your down payment is the seller’s equity. You take over the $766,343 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $21,346.83 is due at closing. Not a Closing Disclosure.