Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,863Not just lender fees.
Before credits & paid funds$11,863The complete starting cash picture.
Estimated remaining funds due at closing
$11,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$11,714.10
Your down payment$0.00
Closing costs + prepaids$11,862.72
Total buyer cash needed$11,862.72
Remaining funds due$11,862.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,669.90
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)$458.75
Initial HOA (3 months)$225.00
Prepaid interest, first (17 days)$1,284.07
Fees + prepaids$11,862.72
Your down payment is the seller’s equity. You take over the $378,704 balance, so the rest of the $366,990 price is paid at closing. A second mortgage can cover part of it. $11,862.72 is due at closing. Not a Closing Disclosure.