Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,704Not just lender fees.
Before credits & paid funds$10,704The complete starting cash picture.
Estimated remaining funds due at closing
$10,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$3,234.18
Your down payment$0.00
Closing costs + prepaids$10,703.97
Total buyer cash needed$10,703.97
Remaining funds due$10,703.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,250.00
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)$299.75
Initial HOA (3 months)$258.00
Prepaid interest, first (24 days)$671.22
Fees + prepaids$10,703.97
Your down payment is the seller’s equity. You take over the $328,234 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $10,703.97 is due at closing. Not a Closing Disclosure.