Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,424Not just lender fees.
Before credits & paid funds$11,424The complete starting cash picture.
Estimated remaining funds due at closing
$11,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$38,097.91
Your down payment$0.00
Closing costs + prepaids$11,424.31
Total buyer cash needed$11,424.31
Remaining funds due$11,424.31
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)$299.25
Initial HOA (3 months)$210.00
Prepaid interest, first (22 days)$1,440.06
Fees + prepaids$11,424.31
Your down payment is the seller’s equity. You take over the $363,098 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $11,424.31 is due at closing. Not a Closing Disclosure.