Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,996Not just lender fees.
Before credits & paid funds$12,996The complete starting cash picture.
Estimated remaining funds due at closing
$12,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$71,738.56
Your down payment$0.00
Closing costs + prepaids$12,996.40
Total buyer cash needed$12,996.40
Remaining funds due$12,996.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$458.75
Initial HOA (3 months)$444.00
Prepaid interest, first (25 days)$1,978.65
Fees + prepaids$12,996.40
Your down payment is the seller’s equity. You take over the $460,739 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $12,996.40 is due at closing. Not a Closing Disclosure.