Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,358Not just lender fees.
Before credits & paid funds$14,358The complete starting cash picture.
Estimated remaining funds due at closing
$14,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$95,715.61
Your down payment$0.00
Closing costs + prepaids$14,358.46
Total buyer cash needed$14,358.46
Remaining funds due$14,358.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$1,755.25
Initial HOA (3 months)$195.00
Prepaid interest, first (25 days)$1,883.21
Fees + prepaids$14,358.46
Your down payment is the seller’s equity. You take over the $525,716 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $14,358.46 is due at closing. Not a Closing Disclosure.