Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,574Not just lender fees.
Before credits & paid funds$11,574The complete starting cash picture.
Estimated remaining funds due at closing
$11,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$1,349.08
Your down payment$0.00
Closing costs + prepaids$11,573.65
Total buyer cash needed$11,573.65
Remaining funds due$11,573.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$1,532.00
Initial HOA (3 months)$28.74
Prepaid interest, first (2 days)$137.91
Fees + prepaids$11,573.65
Your down payment is the seller’s equity. You take over the $366,349 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $11,573.65 is due at closing. Not a Closing Disclosure.