Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,619Not just lender fees.
Before credits & paid funds$12,619The complete starting cash picture.
Estimated remaining funds due at closing
$12,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$14,602.32
Your down payment$0.00
Closing costs + prepaids$12,618.98
Total buyer cash needed$12,618.98
Remaining funds due$12,618.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$486.75
Initial HOA (3 months)$297.00
Prepaid interest, first (26 days)$1,560.23
Fees + prepaids$12,618.98
Your down payment is the seller’s equity. You take over the $419,602 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $12,618.98 is due at closing. Not a Closing Disclosure.