Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,234Not just lender fees.
Before credits & paid funds$14,234The complete starting cash picture.
Estimated remaining funds due at closing
$14,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$2,193.21
Your down payment$0.00
Closing costs + prepaids$14,233.94
Total buyer cash needed$14,233.94
Remaining funds due$14,233.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$1,170.50
Initial HOA (3 months)$231.00
Prepaid interest, first (30 days)$2,308.44
Fees + prepaids$14,233.94
Your down payment is the seller’s equity. You take over the $432,093 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $14,233.94 is due at closing. Not a Closing Disclosure.