Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,658Not just lender fees.
Before credits & paid funds$11,658The complete starting cash picture.
Estimated remaining funds due at closing
$11,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$11,739.90
Your down payment$0.00
Closing costs + prepaids$11,658.20
Total buyer cash needed$11,658.20
Remaining funds due$11,658.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,120.00
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)$272.50
Initial HOA (3 months)$138.00
Prepaid interest, first (31 days)$1,902.70
Fees + prepaids$11,658.20
Your down payment is the seller’s equity. You take over the $323,740 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $11,658.20 is due at closing. Not a Closing Disclosure.