Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,238Not just lender fees.
Before credits & paid funds$13,238The complete starting cash picture.
Estimated remaining funds due at closing
$13,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$31,738.40
Your down payment$0.00
Closing costs + prepaids$13,237.62
Total buyer cash needed$13,237.62
Remaining funds due$13,237.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,090.00
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)$184.25
Initial HOA (3 months)$309.00
Prepaid interest, first (31 days)$2,429.37
Fees + prepaids$13,237.62
Your down payment is the seller’s equity. You take over the $440,738 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $13,237.62 is due at closing. Not a Closing Disclosure.