Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,887Not just lender fees.
Before credits & paid funds$12,887The complete starting cash picture.
Estimated remaining funds due at closing
$12,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$65,875.37
Your down payment$0.00
Closing costs + prepaids$12,887.08
Total buyer cash needed$12,887.08
Remaining funds due$12,887.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$1,565.50
Initial HOA (3 months)$360.00
Prepaid interest, first (26 days)$1,786.58
Fees + prepaids$12,887.08
Your down payment is the seller’s equity. You take over the $360,875 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $12,887.08 is due at closing. Not a Closing Disclosure.