Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,472Not just lender fees.
Before credits & paid funds$13,472The complete starting cash picture.
Estimated remaining funds due at closing
$13,472No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$4,003.40
Your down payment$0.00
Closing costs + prepaids$13,471.73
Total buyer cash needed$13,471.73
Remaining funds due$13,471.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$405.75
Initial HOA (3 months)$417.00
Prepaid interest, first (31 days)$2,273.98
Fees + prepaids$13,471.73
Your down payment is the seller’s equity. You take over the $419,003 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $13,471.73 is due at closing. Not a Closing Disclosure.