Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,612Not just lender fees.
Before credits & paid funds$11,612The complete starting cash picture.
Estimated remaining funds due at closing
$11,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$2,145.15
Your down payment$0.00
Closing costs + prepaids$11,611.59
Total buyer cash needed$11,611.59
Remaining funds due$11,611.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,930.00
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)$403.25
Initial HOA (3 months)$33.00
Prepaid interest, first (29 days)$1,020.34
Fees + prepaids$11,611.59
Your down payment is the seller’s equity. You take over the $395,145 balance, so the rest of the $393,000 price is paid at closing. A second mortgage can cover part of it. $11,611.59 is due at closing. Not a Closing Disclosure.