Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,496Not just lender fees.
Before credits & paid funds$15,496The complete starting cash picture.
Estimated remaining funds due at closing
$15,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$74,029.55
Your down payment$0.00
Closing costs + prepaids$15,495.95
Total buyer cash needed$15,495.95
Remaining funds due$15,495.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$768.75
Prepaid interest, first (16 days)$2,102.20
Fees + prepaids$15,495.95
Your down payment is the seller’s equity. You take over the $689,030 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $15,495.95 is due at closing. Not a Closing Disclosure.