Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,034Not just lender fees.
Before credits & paid funds$12,034The complete starting cash picture.
Estimated remaining funds due at closing
$12,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$45,740.53
Your down payment$0.00
Closing costs + prepaids$12,033.69
Total buyer cash needed$12,033.69
Remaining funds due$12,033.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,289.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$217.50
Initial HOA (3 months)$846.00
Prepaid interest, first (27 days)$1,455.29
Fees + prepaids$12,033.69
Your down payment is the seller’s equity. You take over the $374,731 balance, so the rest of the $328,990 price is paid at closing. A second mortgage can cover part of it. $12,033.69 is due at closing. Not a Closing Disclosure.