Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,914Not just lender fees.
Before credits & paid funds$11,914The complete starting cash picture.
Estimated remaining funds due at closing
$11,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$24,089.45
Your down payment$0.00
Closing costs + prepaids$11,913.84
Total buyer cash needed$11,913.84
Remaining funds due$11,913.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$333.00
Initial HOA (3 months)$198.00
Prepaid interest, first (31 days)$1,167.84
Fees + prepaids$11,913.84
Your down payment is the seller’s equity. You take over the $423,089 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $11,913.84 is due at closing. Not a Closing Disclosure.