Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,113Not just lender fees.
Before credits & paid funds$13,113The complete starting cash picture.
Estimated remaining funds due at closing
$13,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$3,189.17
Your down payment$0.00
Closing costs + prepaids$13,113.04
Total buyer cash needed$13,113.04
Remaining funds due$13,113.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$588.00
Initial HOA (3 months)$255.00
Prepaid interest, first (12 days)$895.04
Fees + prepaids$13,113.04
Your down payment is the seller’s equity. You take over the $493,189 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $13,113.04 is due at closing. Not a Closing Disclosure.