Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,815Not just lender fees.
Before credits & paid funds$13,815The complete starting cash picture.
Estimated remaining funds due at closing
$13,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$3,979.25
Your down payment$0.00
Closing costs + prepaids$13,814.76
Total buyer cash needed$13,814.76
Remaining funds due$13,814.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$1,562.25
Initial HOA (3 months)$345.00
Prepaid interest, first (23 days)$1,682.61
Fees + prepaids$13,814.76
Your down payment is the seller’s equity. You take over the $403,969 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $13,814.76 is due at closing. Not a Closing Disclosure.