Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,729Not just lender fees.
Before credits & paid funds$14,729The complete starting cash picture.
Estimated remaining funds due at closing
$14,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$590.60
Your down payment$0.00
Closing costs + prepaids$14,729.19
Total buyer cash needed$14,729.19
Remaining funds due$14,729.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$1,265.00
Initial HOA (3 months)$141.00
Prepaid interest, first (25 days)$2,158.19
Fees + prepaids$14,729.19
Your down payment is the seller’s equity. You take over the $469,591 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $14,729.19 is due at closing. Not a Closing Disclosure.