Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,798Not just lender fees.
Before credits & paid funds$13,798The complete starting cash picture.
Estimated remaining funds due at closing
$13,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$57,044.85
Your down payment$0.00
Closing costs + prepaids$13,798.32
Total buyer cash needed$13,798.32
Remaining funds due$13,798.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,200.00
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)$718.75
Initial HOA (3 months)$1,890.00
Prepaid interest, first (26 days)$1,764.57
Fees + prepaids$13,798.32
Your down payment is the seller’s equity. You take over the $377,045 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $13,798.32 is due at closing. Not a Closing Disclosure.