Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,806Not just lender fees.
Before credits & paid funds$12,806The complete starting cash picture.
Estimated remaining funds due at closing
$12,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$23,045.00
Your down payment$0.00
Closing costs + prepaids$12,806.08
Total buyer cash needed$12,806.08
Remaining funds due$12,806.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$280.00
Initial HOA (3 months)$225.00
Prepaid interest, first (23 days)$1,876.08
Fees + prepaids$12,806.08
Your down payment is the seller’s equity. You take over the $443,045 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $12,806.08 is due at closing. Not a Closing Disclosure.