Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,435Not just lender fees.
Before credits & paid funds$16,435The complete starting cash picture.
Estimated remaining funds due at closing
$16,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$17,679.54
Your down payment$0.00
Closing costs + prepaids$16,435.34
Total buyer cash needed$16,435.34
Remaining funds due$16,435.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,290.00
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)$1,572.50
Initial HOA (3 months)$1,173.00
Prepaid interest, first (18 days)$924.84
Fees + prepaids$16,435.34
Your down payment is the seller’s equity. You take over the $646,680 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $16,435.34 is due at closing. Not a Closing Disclosure.