Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,736Not just lender fees.
Before credits & paid funds$14,736The complete starting cash picture.
Estimated remaining funds due at closing
$14,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$41,236.87
Your down payment$0.00
Closing costs + prepaids$14,735.85
Total buyer cash needed$14,735.85
Remaining funds due$14,735.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,549.99
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)$1,137.50
Prepaid interest, first (28 days)$2,573.36
Fees + prepaids$14,735.85
Your down payment is the seller’s equity. You take over the $496,236 balance, so the rest of the $454,999 price is paid at closing. A second mortgage can cover part of it. $14,735.85 is due at closing. Not a Closing Disclosure.