Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,180Not just lender fees.
Before credits & paid funds$12,180The complete starting cash picture.
Estimated remaining funds due at closing
$12,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$28,174.48
Your down payment$0.00
Closing costs + prepaids$12,179.77
Total buyer cash needed$12,179.77
Remaining funds due$12,179.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$434.00
Initial HOA (3 months)$378.00
Prepaid interest, first (2 days)$193.77
Fees + prepaids$12,179.77
Your down payment is the seller’s equity. You take over the $498,074 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $12,179.77 is due at closing. Not a Closing Disclosure.