Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,182Not just lender fees.
Before credits & paid funds$15,182The complete starting cash picture.
Estimated remaining funds due at closing
$15,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$18,576.76
Your down payment$0.00
Closing costs + prepaids$15,181.64
Total buyer cash needed$15,181.64
Remaining funds due$15,181.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$483.00
Initial HOA (3 months)$330.00
Prepaid interest, first (31 days)$2,893.65
Fees + prepaids$15,181.64
Your down payment is the seller’s equity. You take over the $518,576 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $15,181.64 is due at closing. Not a Closing Disclosure.