Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,914Not just lender fees.
Before credits & paid funds$10,914The complete starting cash picture.
Estimated remaining funds due at closing
$10,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$38,585.56
Your down payment$0.00
Closing costs + prepaids$10,913.90
Total buyer cash needed$10,913.90
Remaining funds due$10,913.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$538.50
Initial HOA (3 months)$210.00
Prepaid interest, first (1 days)$90.40
Fees + prepaids$10,913.90
Your down payment is the seller’s equity. You take over the $423,586 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $10,913.90 is due at closing. Not a Closing Disclosure.