Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,171Not just lender fees.
Before credits & paid funds$13,171The complete starting cash picture.
Estimated remaining funds due at closing
$13,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$30,607.01
Your down payment$0.00
Closing costs + prepaids$13,171.23
Total buyer cash needed$13,171.23
Remaining funds due$13,171.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$630.00
Initial HOA (3 months)$81.00
Prepaid interest, first (7 days)$735.23
Fees + prepaids$13,171.23
Your down payment is the seller’s equity. You take over the $555,607 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $13,171.23 is due at closing. Not a Closing Disclosure.