Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,864Not just lender fees.
Before credits & paid funds$13,864The complete starting cash picture.
Estimated remaining funds due at closing
$13,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$2,718.50
Your down payment$0.00
Closing costs + prepaids$13,863.94
Total buyer cash needed$13,863.94
Remaining funds due$13,863.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$586.75
Initial HOA (3 months)$336.00
Prepaid interest, first (18 days)$1,576.19
Fees + prepaids$13,863.94
Your down payment is the seller’s equity. You take over the $491,718 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $13,863.94 is due at closing. Not a Closing Disclosure.