Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,027Not just lender fees.
Before credits & paid funds$13,027The complete starting cash picture.
Estimated remaining funds due at closing
$13,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$2,447.09
Your down payment$0.00
Closing costs + prepaids$13,027.25
Total buyer cash needed$13,027.25
Remaining funds due$13,027.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$579.75
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$1,893.50
Fees + prepaids$13,027.25
Your down payment is the seller’s equity. You take over the $417,347 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $13,027.25 is due at closing. Not a Closing Disclosure.