Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,231Not just lender fees.
Before credits & paid funds$14,231The complete starting cash picture.
Estimated remaining funds due at closing
$14,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$23,677.50
Your down payment$0.00
Closing costs + prepaids$14,231.42
Total buyer cash needed$14,231.42
Remaining funds due$14,231.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$381.75
Initial HOA (3 months)$375.00
Prepaid interest, first (27 days)$2,349.67
Fees + prepaids$14,231.42
Your down payment is the seller’s equity. You take over the $488,677 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $14,231.42 is due at closing. Not a Closing Disclosure.