Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,595Not just lender fees.
Before credits & paid funds$10,595The complete starting cash picture.
Estimated remaining funds due at closing
$10,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$6,812.54
Your down payment$0.00
Closing costs + prepaids$10,594.82
Total buyer cash needed$10,594.82
Remaining funds due$10,594.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,049.00
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)$381.25
Initial HOA (3 months)$80.01
Prepaid interest, first (15 days)$859.56
Fees + prepaids$10,594.82
Your down payment is the seller’s equity. You take over the $311,713 balance, so the rest of the $304,900 price is paid at closing. A second mortgage can cover part of it. $10,594.82 is due at closing. Not a Closing Disclosure.