Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,707Not just lender fees.
Before credits & paid funds$12,707The complete starting cash picture.
Estimated remaining funds due at closing
$12,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$30,041.49
Your down payment$0.00
Closing costs + prepaids$12,706.97
Total buyer cash needed$12,706.97
Remaining funds due$12,706.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$599.50
Initial HOA (3 months)$390.00
Prepaid interest, first (22 days)$1,502.47
Fees + prepaids$12,706.97
Your down payment is the seller’s equity. You take over the $429,041 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $12,706.97 is due at closing. Not a Closing Disclosure.