Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,485Not just lender fees.
Before credits & paid funds$11,485The complete starting cash picture.
Estimated remaining funds due at closing
$11,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$9,702.11
Your down payment$0.00
Closing costs + prepaids$11,485.20
Total buyer cash needed$11,485.20
Remaining funds due$11,485.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,988.00
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)$478.50
Initial HOA (3 months)$327.00
Prepaid interest, first (10 days)$466.70
Fees + prepaids$11,485.20
Your down payment is the seller’s equity. You take over the $408,502 balance, so the rest of the $398,800 price is paid at closing. A second mortgage can cover part of it. $11,485.20 is due at closing. Not a Closing Disclosure.