Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,408Not just lender fees.
Before credits & paid funds$13,408The complete starting cash picture.
Estimated remaining funds due at closing
$13,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$53,200.38
Your down payment$0.00
Closing costs + prepaids$13,407.74
Total buyer cash needed$13,407.74
Remaining funds due$13,407.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$750.00
Initial HOA (3 months)$1,815.00
Prepaid interest, first (26 days)$1,617.75
Fees + prepaids$13,407.74
Your down payment is the seller’s equity. You take over the $353,199 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $13,407.74 is due at closing. Not a Closing Disclosure.