Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,420Not just lender fees.
Before credits & paid funds$13,420The complete starting cash picture.
Estimated remaining funds due at closing
$13,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$10,975.40
Your down payment$0.00
Closing costs + prepaids$13,420.27
Total buyer cash needed$13,420.27
Remaining funds due$13,420.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,259.00
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)$0.25
Initial HOA (3 months)$690.00
Prepaid interest, first (27 days)$2,246.02
Fees + prepaids$13,420.27
Your down payment is the seller’s equity. You take over the $436,875 balance, so the rest of the $425,900 price is paid at closing. A second mortgage can cover part of it. $13,420.27 is due at closing. Not a Closing Disclosure.