Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,042Not just lender fees.
Before credits & paid funds$14,042The complete starting cash picture.
Estimated remaining funds due at closing
$14,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$87,877.22
Your down payment$0.00
Closing costs + prepaids$14,041.88
Total buyer cash needed$14,041.88
Remaining funds due$14,041.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,100.00
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)$1,532.25
Initial HOA (3 months)$1,329.00
Prepaid interest, first (29 days)$1,855.63
Fees + prepaids$14,041.88
Your down payment is the seller’s equity. You take over the $397,877 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $14,041.88 is due at closing. Not a Closing Disclosure.