Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,629Not just lender fees.
Before credits & paid funds$15,629The complete starting cash picture.
Estimated remaining funds due at closing
$15,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$11,594.58
Your down payment$0.00
Closing costs + prepaids$15,628.72
Total buyer cash needed$15,628.72
Remaining funds due$15,628.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,869.99
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)$1,150.00
Initial HOA (3 months)$333.00
Prepaid interest, first (29 days)$2,800.73
Fees + prepaids$15,628.72
Your down payment is the seller’s equity. You take over the $498,594 balance, so the rest of the $486,999 price is paid at closing. A second mortgage can cover part of it. $15,628.72 is due at closing. Not a Closing Disclosure.