Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,394Not just lender fees.
Before credits & paid funds$11,394The complete starting cash picture.
Estimated remaining funds due at closing
$11,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$26,274.19
Your down payment$0.00
Closing costs + prepaids$11,394.30
Total buyer cash needed$11,394.30
Remaining funds due$11,394.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,096.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$491.50
Prepaid interest, first (7 days)$581.80
Fees + prepaids$11,394.30
Your down payment is the seller’s equity. You take over the $435,874 balance, so the rest of the $409,600 price is paid at closing. A second mortgage can cover part of it. $11,394.30 is due at closing. Not a Closing Disclosure.