Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,934Not just lender fees.
Before credits & paid funds$12,934The complete starting cash picture.
Estimated remaining funds due at closing
$12,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$22,649.25
Your down payment$0.00
Closing costs + prepaids$12,933.84
Total buyer cash needed$12,933.84
Remaining funds due$12,933.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$618.00
Prepaid interest, first (7 days)$690.84
Fees + prepaids$12,933.84
Your down payment is the seller’s equity. You take over the $537,649 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $12,933.84 is due at closing. Not a Closing Disclosure.