Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,684Not just lender fees.
Before credits & paid funds$13,684The complete starting cash picture.
Estimated remaining funds due at closing
$13,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$28,753.29
Your down payment$0.00
Closing costs + prepaids$13,683.73
Total buyer cash needed$13,683.73
Remaining funds due$13,683.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$61.00
Initial HOA (3 months)$360.00
Prepaid interest, first (19 days)$1,788.73
Fees + prepaids$13,683.73
Your down payment is the seller’s equity. You take over the $528,653 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $13,683.73 is due at closing. Not a Closing Disclosure.