Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,980Not just lender fees.
Before credits & paid funds$16,980The complete starting cash picture.
Estimated remaining funds due at closing
$16,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$1,580.06
Your down payment$0.00
Closing costs + prepaids$16,980.05
Total buyer cash needed$16,980.05
Remaining funds due$16,980.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$1,172.50
Initial HOA (3 months)$2,055.00
Prepaid interest, first (30 days)$2,587.55
Fees + prepaids$16,980.05
Your down payment is the seller’s equity. You take over the $470,580 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $16,980.05 is due at closing. Not a Closing Disclosure.