Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,023Not just lender fees.
Before credits & paid funds$13,023The complete starting cash picture.
Estimated remaining funds due at closing
$13,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$37,608.29
Your down payment$0.00
Closing costs + prepaids$13,022.77
Total buyer cash needed$13,022.77
Remaining funds due$13,022.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,070.00
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)$83.00
Initial HOA (3 months)$507.00
Prepaid interest, first (27 days)$2,137.77
Fees + prepaids$13,022.77
Your down payment is the seller’s equity. You take over the $444,608 balance, so the rest of the $407,000 price is paid at closing. A second mortgage can cover part of it. $13,022.77 is due at closing. Not a Closing Disclosure.