Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,777Not just lender fees.
Before credits & paid funds$13,777The complete starting cash picture.
Estimated remaining funds due at closing
$13,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$49,011.67
Your down payment$0.00
Closing costs + prepaids$13,776.60
Total buyer cash needed$13,776.60
Remaining funds due$13,776.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$484.00
Initial HOA (3 months)$39.99
Prepaid interest, first (29 days)$1,287.61
Fees + prepaids$13,776.60
Your down payment is the seller’s equity. You take over the $598,012 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $13,776.60 is due at closing. Not a Closing Disclosure.