Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,760Not just lender fees.
Before credits & paid funds$12,760The complete starting cash picture.
Estimated remaining funds due at closing
$12,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$1.80
Your down payment$0.00
Closing costs + prepaids$12,759.53
Total buyer cash needed$12,759.53
Remaining funds due$12,759.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$930.50
Initial HOA (3 months)$366.00
Prepaid interest, first (22 days)$1,288.03
Fees + prepaids$12,759.53
Your down payment is the seller’s equity. You take over the $395,002 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $12,759.53 is due at closing. Not a Closing Disclosure.