Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,151Not just lender fees.
Before credits & paid funds$12,151The complete starting cash picture.
Estimated remaining funds due at closing
$12,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$37,192.31
Your down payment$0.00
Closing costs + prepaids$12,150.95
Total buyer cash needed$12,150.95
Remaining funds due$12,150.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,409.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$807.00
Prepaid interest, first (28 days)$1,709.05
Fees + prepaids$12,150.95
Your down payment is the seller’s equity. You take over the $378,182 balance, so the rest of the $340,990 price is paid at closing. A second mortgage can cover part of it. $12,150.95 is due at closing. Not a Closing Disclosure.