Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,056Not just lender fees.
Before credits & paid funds$15,056The complete starting cash picture.
Estimated remaining funds due at closing
$15,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$3,535.73
Your down payment$0.00
Closing costs + prepaids$15,056.02
Total buyer cash needed$15,056.02
Remaining funds due$15,056.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$2,031.00
Initial HOA (3 months)$525.00
Prepaid interest, first (2 days)$226.02
Fees + prepaids$15,056.02
Your down payment is the seller’s equity. You take over the $583,436 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $15,056.02 is due at closing. Not a Closing Disclosure.