Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,479Not just lender fees.
Before credits & paid funds$14,479The complete starting cash picture.
Estimated remaining funds due at closing
$14,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$18,812.19
Your down payment$0.00
Closing costs + prepaids$14,479.28
Total buyer cash needed$14,479.28
Remaining funds due$14,479.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$748.50
Initial HOA (3 months)$324.00
Prepaid interest, first (31 days)$2,791.78
Fees + prepaids$14,479.28
Your down payment is the seller’s equity. You take over the $457,812 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $14,479.28 is due at closing. Not a Closing Disclosure.