Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,409Not just lender fees.
Before credits & paid funds$15,409The complete starting cash picture.
Estimated remaining funds due at closing
$15,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$5,155.07
Your down payment$0.00
Closing costs + prepaids$15,408.94
Total buyer cash needed$15,408.94
Remaining funds due$15,408.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$1,400.00
Initial HOA (3 months)$195.00
Prepaid interest, first (26 days)$2,338.94
Fees + prepaids$15,408.94
Your down payment is the seller’s equity. You take over the $505,155 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $15,408.94 is due at closing. Not a Closing Disclosure.