Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,255Not just lender fees.
Before credits & paid funds$12,255The complete starting cash picture.
Estimated remaining funds due at closing
$12,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$37,690.20
Your down payment$0.00
Closing costs + prepaids$12,255.39
Total buyer cash needed$12,255.39
Remaining funds due$12,255.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,760.00
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)$627.50
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$92.89
Fees + prepaids$12,255.39
Your down payment is the seller’s equity. You take over the $513,690 balance, so the rest of the $476,000 price is paid at closing. A second mortgage can cover part of it. $12,255.39 is due at closing. Not a Closing Disclosure.