Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,798Not just lender fees.
Before credits & paid funds$12,798The complete starting cash picture.
Estimated remaining funds due at closing
$12,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$64,366.19
Your down payment$0.00
Closing costs + prepaids$12,798.22
Total buyer cash needed$12,798.22
Remaining funds due$12,798.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,575.00
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)$549.00
Initial HOA (3 months)$84.00
Prepaid interest, first (12 days)$1,115.22
Fees + prepaids$12,798.22
Your down payment is the seller’s equity. You take over the $521,866 balance, so the rest of the $457,500 price is paid at closing. A second mortgage can cover part of it. $12,798.22 is due at closing. Not a Closing Disclosure.