Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,615Not just lender fees.
Before credits & paid funds$15,615The complete starting cash picture.
Estimated remaining funds due at closing
$15,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$2,010.03
Your down payment$0.00
Closing costs + prepaids$15,615.01
Total buyer cash needed$15,615.01
Remaining funds due$15,615.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,160.00
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)$406.75
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$3,273.26
Fees + prepaids$15,615.01
Your down payment is the seller’s equity. You take over the $518,010 balance, so the rest of the $516,000 price is paid at closing. A second mortgage can cover part of it. $15,615.01 is due at closing. Not a Closing Disclosure.