Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,616Not just lender fees.
Before credits & paid funds$12,616The complete starting cash picture.
Estimated remaining funds due at closing
$12,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$12,552.61
Your down payment$0.00
Closing costs + prepaids$12,616.41
Total buyer cash needed$12,616.41
Remaining funds due$12,616.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$1,176.25
Prepaid interest, first (24 days)$1,665.16
Fees + prepaids$12,616.41
Your down payment is the seller’s equity. You take over the $367,553 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $12,616.41 is due at closing. Not a Closing Disclosure.