Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,269Not just lender fees.
Before credits & paid funds$14,269The complete starting cash picture.
Estimated remaining funds due at closing
$14,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$7,132.28
Your down payment$0.00
Closing costs + prepaids$14,269.48
Total buyer cash needed$14,269.48
Remaining funds due$14,269.48
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)$2,299.50
Initial HOA (3 months)$192.99
Prepaid interest, first (28 days)$2,051.99
Fees + prepaids$14,269.48
Your down payment is the seller’s equity. You take over the $357,132 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $14,269.48 is due at closing. Not a Closing Disclosure.