Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,790Not just lender fees.
Before credits & paid funds$14,790The complete starting cash picture.
Estimated remaining funds due at closing
$14,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$13,550.28
Your down payment$0.00
Closing costs + prepaids$14,789.55
Total buyer cash needed$14,789.55
Remaining funds due$14,789.55
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)$447.25
Prepaid interest, first (30 days)$2,877.30
Fees + prepaids$14,789.55
Your down payment is the seller’s equity. You take over the $512,550 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $14,789.55 is due at closing. Not a Closing Disclosure.