Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,365Not just lender fees.
Before credits & paid funds$12,365The complete starting cash picture.
Estimated remaining funds due at closing
$12,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$823.97
Your down payment$0.00
Closing costs + prepaids$12,365.12
Total buyer cash needed$12,365.12
Remaining funds due$12,365.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$510.25
Initial HOA (3 months)$288.00
Prepaid interest, first (1 days)$92.87
Fees + prepaids$12,365.12
Your down payment is the seller’s equity. You take over the $500,724 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $12,365.12 is due at closing. Not a Closing Disclosure.