Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,680Not just lender fees.
Before credits & paid funds$11,680The complete starting cash picture.
Estimated remaining funds due at closing
$11,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$24,696.10
Your down payment$0.00
Closing costs + prepaids$11,679.87
Total buyer cash needed$11,679.87
Remaining funds due$11,679.87
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)$425.00
Initial HOA (3 months)$255.00
Prepaid interest, first (23 days)$1,524.87
Fees + prepaids$11,679.87
Your down payment is the seller’s equity. You take over the $349,696 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $11,679.87 is due at closing. Not a Closing Disclosure.