Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,010Not just lender fees.
Before credits & paid funds$14,010The complete starting cash picture.
Estimated remaining funds due at closing
$14,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$88,919.00
Your down payment$0.00
Closing costs + prepaids$14,010.32
Total buyer cash needed$14,010.32
Remaining funds due$14,010.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,980.00
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)$906.75
Prepaid interest, first (28 days)$2,898.57
Fees + prepaids$14,010.32
Your down payment is the seller’s equity. You take over the $486,919 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $14,010.32 is due at closing. Not a Closing Disclosure.