Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,024Not just lender fees.
Before credits & paid funds$12,024The complete starting cash picture.
Estimated remaining funds due at closing
$12,024No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$4,003.40
Your down payment$0.00
Closing costs + prepaids$12,023.54
Total buyer cash needed$12,023.54
Remaining funds due$12,023.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$498.00
Initial HOA (3 months)$417.00
Prepaid interest, first (10 days)$733.54
Fees + prepaids$12,023.54
Your down payment is the seller’s equity. You take over the $419,003 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $12,023.54 is due at closing. Not a Closing Disclosure.