Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,141Not just lender fees.
Before credits & paid funds$14,141The complete starting cash picture.
Estimated remaining funds due at closing
$14,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$42,632.95
Your down payment$0.00
Closing costs + prepaids$14,140.94
Total buyer cash needed$14,140.94
Remaining funds due$14,140.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
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)$185.00
Prepaid interest, first (28 days)$2,630.94
Fees + prepaids$14,140.94
Your down payment is the seller’s equity. You take over the $527,633 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $14,140.94 is due at closing. Not a Closing Disclosure.