Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,344Not just lender fees.
Before credits & paid funds$14,344The complete starting cash picture.
Estimated remaining funds due at closing
$14,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$16,785.18
Your down payment$0.00
Closing costs + prepaids$14,343.56
Total buyer cash needed$14,343.56
Remaining funds due$14,343.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$887.75
Initial HOA (3 months)$420.99
Prepaid interest, first (29 days)$2,409.82
Fees + prepaids$14,343.56
Your down payment is the seller’s equity. You take over the $456,785 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $14,343.56 is due at closing. Not a Closing Disclosure.