Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,044Not just lender fees.
Before credits & paid funds$13,044The complete starting cash picture.
Estimated remaining funds due at closing
$13,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$17,349.25
Your down payment$0.00
Closing costs + prepaids$13,044.04
Total buyer cash needed$13,044.04
Remaining funds due$13,044.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$1,372.50
Initial HOA (3 months)$26.76
Prepaid interest, first (25 days)$1,919.78
Fees + prepaids$13,044.04
Your down payment is the seller’s equity. You take over the $367,349 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $13,044.04 is due at closing. Not a Closing Disclosure.