Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,855Not just lender fees.
Before credits & paid funds$14,855The complete starting cash picture.
Estimated remaining funds due at closing
$14,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$8,940.48
Your down payment$0.00
Closing costs + prepaids$14,855.16
Total buyer cash needed$14,855.16
Remaining funds due$14,855.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,113.75
Prepaid interest, first (31 days)$2,616.41
Fees + prepaids$14,855.16
Your down payment is the seller’s equity. You take over the $473,940 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $14,855.16 is due at closing. Not a Closing Disclosure.