Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,273Not just lender fees.
Before credits & paid funds$14,273The complete starting cash picture.
Estimated remaining funds due at closing
$14,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$51,483.49
Your down payment$0.00
Closing costs + prepaids$14,273.01
Total buyer cash needed$14,273.01
Remaining funds due$14,273.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,250.00
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)$610.25
Initial HOA (3 months)$444.00
Prepaid interest, first (31 days)$2,743.76
Fees + prepaids$14,273.01
Your down payment is the seller’s equity. You take over the $476,483 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $14,273.01 is due at closing. Not a Closing Disclosure.