Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,108Not just lender fees.
Before credits & paid funds$15,108The complete starting cash picture.
Estimated remaining funds due at closing
$15,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$4,086.58
Your down payment$0.00
Closing costs + prepaids$15,107.74
Total buyer cash needed$15,107.74
Remaining funds due$15,107.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$1,250.00
Prepaid interest, first (27 days)$2,382.74
Fees + prepaids$15,107.74
Your down payment is the seller’s equity. You take over the $504,087 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $15,107.74 is due at closing. Not a Closing Disclosure.