Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,720Not just lender fees.
Before credits & paid funds$13,720The complete starting cash picture.
Estimated remaining funds due at closing
$13,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$13,509.91
Your down payment$0.00
Closing costs + prepaids$13,719.90
Total buyer cash needed$13,719.90
Remaining funds due$13,719.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$1,183.75
Initial HOA (3 months)$180.00
Prepaid interest, first (22 days)$1,831.15
Fees + prepaids$13,719.90
Your down payment is the seller’s equity. You take over the $443,510 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $13,719.90 is due at closing. Not a Closing Disclosure.