Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,497Not just lender fees.
Before credits & paid funds$11,497The complete starting cash picture.
Estimated remaining funds due at closing
$11,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$38,846.17
Your down payment$0.00
Closing costs + prepaids$11,497.03
Total buyer cash needed$11,497.03
Remaining funds due$11,497.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$749.75
Initial HOA (3 months)$456.00
Prepaid interest, first (23 days)$1,067.28
Fees + prepaids$11,497.03
Your down payment is the seller’s equity. You take over the $338,746 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $11,497.03 is due at closing. Not a Closing Disclosure.