Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,295Not just lender fees.
Before credits & paid funds$13,295The complete starting cash picture.
Estimated remaining funds due at closing
$13,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$831.33
Your down payment$0.00
Closing costs + prepaids$13,295.10
Total buyer cash needed$13,295.10
Remaining funds due$13,295.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,200.00
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)$1,878.50
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$1,811.60
Fees + prepaids$13,295.10
Your down payment is the seller’s equity. You take over the $320,831 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $13,295.10 is due at closing. Not a Closing Disclosure.