Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,963Not just lender fees.
Before credits & paid funds$11,963The complete starting cash picture.
Estimated remaining funds due at closing
$11,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$64,949.66
Your down payment$0.00
Closing costs + prepaids$11,962.83
Total buyer cash needed$11,962.83
Remaining funds due$11,962.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,575.00
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)$642.75
Initial HOA (3 months)$84.00
Prepaid interest, first (2 days)$186.08
Fees + prepaids$11,962.83
Your down payment is the seller’s equity. You take over the $522,450 balance, so the rest of the $457,500 price is paid at closing. A second mortgage can cover part of it. $11,962.83 is due at closing. Not a Closing Disclosure.