Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$19,910Not just lender fees.
Before credits & paid funds$19,910The complete starting cash picture.
Estimated remaining funds due at closing
$19,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$12,719.22
Your down payment$0.00
Closing costs + prepaids$19,910.12
Total buyer cash needed$19,910.12
Remaining funds due$19,910.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,100.00
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)$2,025.00
Prepaid interest, first (18 days)$2,560.12
Fees + prepaids$19,910.12
Your down payment is the seller’s equity. You take over the $822,719 balance, so the rest of the $810,000 price is paid at closing. A second mortgage can cover part of it. $19,910.12 is due at closing. Not a Closing Disclosure.