Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,422Not just lender fees.
Before credits & paid funds$12,422The complete starting cash picture.
Estimated remaining funds due at closing
$12,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$11,246.83
Your down payment$0.00
Closing costs + prepaids$12,422.03
Total buyer cash needed$12,422.03
Remaining funds due$12,422.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$288.50
Initial HOA (3 months)$540.00
Prepaid interest, first (23 days)$1,618.53
Fees + prepaids$12,422.03
Your down payment is the seller’s equity. You take over the $386,247 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $12,422.03 is due at closing. Not a Closing Disclosure.