Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,789Not just lender fees.
Before credits & paid funds$12,789The complete starting cash picture.
Estimated remaining funds due at closing
$12,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$890.65
Your down payment$0.00
Closing costs + prepaids$12,788.78
Total buyer cash needed$12,788.78
Remaining funds due$12,788.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$571.50
Initial HOA (3 months)$1,425.00
Prepaid interest, first (1 days)$77.28
Fees + prepaids$12,788.78
Your down payment is the seller’s equity. You take over the $449,891 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $12,788.78 is due at closing. Not a Closing Disclosure.