Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,443Not just lender fees.
Before credits & paid funds$12,443The complete starting cash picture.
Estimated remaining funds due at closing
$12,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$32,925.22
Your down payment$0.00
Closing costs + prepaids$12,442.92
Total buyer cash needed$12,442.92
Remaining funds due$12,442.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$872.50
Prepaid interest, first (26 days)$1,855.42
Fees + prepaids$12,442.92
Your down payment is the seller’s equity. You take over the $381,925 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $12,442.92 is due at closing. Not a Closing Disclosure.