Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,123Not just lender fees.
Before credits & paid funds$10,123The complete starting cash picture.
Estimated remaining funds due at closing
$10,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$52,580.39
Your down payment$0.00
Closing costs + prepaids$10,122.65
Total buyer cash needed$10,122.65
Remaining funds due$10,122.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,369.00
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)$319.75
Initial HOA (3 months)$150.00
Prepaid interest, first (1 days)$58.90
Fees + prepaids$10,122.65
Your down payment is the seller’s equity. You take over the $389,480 balance, so the rest of the $336,900 price is paid at closing. A second mortgage can cover part of it. $10,122.65 is due at closing. Not a Closing Disclosure.