Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,575Not just lender fees.
Before credits & paid funds$14,575The complete starting cash picture.
Estimated remaining funds due at closing
$14,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$33,750.00
Your down payment$0.00
Closing costs + prepaids$14,575.03
Total buyer cash needed$14,575.03
Remaining funds due$14,575.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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 (22 days)$2,048.03
Fees + prepaids$14,575.03
Your down payment is the seller’s equity. You take over the $522,750 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $14,575.03 is due at closing. Not a Closing Disclosure.