Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,222Not just lender fees.
Before credits & paid funds$13,222The complete starting cash picture.
Estimated remaining funds due at closing
$13,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$44,594.12
Your down payment$0.00
Closing costs + prepaids$13,222.25
Total buyer cash needed$13,222.25
Remaining funds due$13,222.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$1,368.00
Initial HOA (3 months)$276.00
Prepaid interest, first (1 days)$103.25
Fees + prepaids$13,222.25
Your down payment is the seller’s equity. You take over the $544,594 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $13,222.25 is due at closing. Not a Closing Disclosure.