Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,220Not just lender fees.
Before credits & paid funds$13,220The complete starting cash picture.
Estimated remaining funds due at closing
$13,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$1,959.27
Your down payment$0.00
Closing costs + prepaids$13,220.47
Total buyer cash needed$13,220.47
Remaining funds due$13,220.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$313.75
Initial HOA (3 months)$297.00
Prepaid interest, first (31 days)$2,385.72
Fees + prepaids$13,220.47
Your down payment is the seller’s equity. You take over the $401,859 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $13,220.47 is due at closing. Not a Closing Disclosure.