Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,274Not just lender fees.
Before credits & paid funds$13,274The complete starting cash picture.
Estimated remaining funds due at closing
$13,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$189,805.20
Your down payment$0.00
Closing costs + prepaids$13,273.60
Total buyer cash needed$13,273.60
Remaining funds due$13,273.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,559.50
Prepaid interest, first (2 days)$249.10
Fees + prepaids$13,273.60
Your down payment is the seller’s equity. You take over the $688,805 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $13,273.60 is due at closing. Not a Closing Disclosure.