Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,589Not just lender fees.
Before credits & paid funds$13,589The complete starting cash picture.
Estimated remaining funds due at closing
$13,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$43,976.30
Your down payment$0.00
Closing costs + prepaids$13,588.58
Total buyer cash needed$13,588.58
Remaining funds due$13,588.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$600.00
Initial HOA (3 months)$276.00
Prepaid interest, first (12 days)$1,237.58
Fees + prepaids$13,588.58
Your down payment is the seller’s equity. You take over the $543,976 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $13,588.58 is due at closing. Not a Closing Disclosure.