Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$18,708Not just lender fees.
Before credits & paid funds$18,708The complete starting cash picture.
Estimated remaining funds due at closing
$18,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$6,353.93
Your down payment$0.00
Closing costs + prepaids$18,708.35
Total buyer cash needed$18,708.35
Remaining funds due$18,708.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$1,248.00
Initial HOA (3 months)$5,208.00
Prepaid interest, first (24 days)$1,527.35
Fees + prepaids$18,708.35
Your down payment is the seller’s equity. You take over the $456,354 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $18,708.35 is due at closing. Not a Closing Disclosure.