Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,484Not just lender fees.
Before credits & paid funds$12,484The complete starting cash picture.
Estimated remaining funds due at closing
$12,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$58,726.50
Your down payment$0.00
Closing costs + prepaids$12,483.86
Total buyer cash needed$12,483.86
Remaining funds due$12,483.86
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)$538.00
Initial HOA (3 months)$624.00
Prepaid interest, first (2 days)$196.86
Fees + prepaids$12,483.86
Your down payment is the seller’s equity. You take over the $523,726 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $12,483.86 is due at closing. Not a Closing Disclosure.