Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,535Not just lender fees.
Before credits & paid funds$13,535The complete starting cash picture.
Estimated remaining funds due at closing
$13,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$41,630.24
Your down payment$0.00
Closing costs + prepaids$13,535.11
Total buyer cash needed$13,535.11
Remaining funds due$13,535.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$855.25
Initial HOA (3 months)$390.00
Prepaid interest, first (26 days)$2,174.86
Fees + prepaids$13,535.11
Your down payment is the seller’s equity. You take over the $430,630 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $13,535.11 is due at closing. Not a Closing Disclosure.