Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,813Not just lender fees.
Before credits & paid funds$16,813The complete starting cash picture.
Estimated remaining funds due at closing
$16,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$10,315.21
Your down payment$0.00
Closing costs + prepaids$16,812.58
Total buyer cash needed$16,812.58
Remaining funds due$16,812.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,237.50
Initial HOA (3 months)$1,236.00
Prepaid interest, first (31 days)$2,914.08
Fees + prepaids$16,812.58
Your down payment is the seller’s equity. You take over the $505,315 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $16,812.58 is due at closing. Not a Closing Disclosure.