Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,850Not just lender fees.
Before credits & paid funds$15,850The complete starting cash picture.
Estimated remaining funds due at closing
$15,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$47,186.37
Your down payment$0.00
Closing costs + prepaids$15,850.10
Total buyer cash needed$15,850.10
Remaining funds due$15,850.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,995.00
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)$2,063.75
Initial HOA (3 months)$1,440.00
Prepaid interest, first (25 days)$2,126.35
Fees + prepaids$15,850.10
Your down payment is the seller’s equity. You take over the $446,686 balance, so the rest of the $399,500 price is paid at closing. A second mortgage can cover part of it. $15,850.10 is due at closing. Not a Closing Disclosure.