Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,210Not just lender fees.
Before credits & paid funds$16,210The complete starting cash picture.
Estimated remaining funds due at closing
$16,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$96,861.49
Your down payment$0.00
Closing costs + prepaids$16,210.36
Total buyer cash needed$16,210.36
Remaining funds due$16,210.36
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)$1,742.75
Initial HOA (3 months)$180.00
Prepaid interest, first (25 days)$2,812.61
Fees + prepaids$16,210.36
Your down payment is the seller’s equity. You take over the $596,861 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $16,210.36 is due at closing. Not a Closing Disclosure.