Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,045Not just lender fees.
Before credits & paid funds$12,045The complete starting cash picture.
Estimated remaining funds due at closing
$12,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$16,943.95
Your down payment$0.00
Closing costs + prepaids$12,045.27
Total buyer cash needed$12,045.27
Remaining funds due$12,045.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,295.00
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)$315.75
Initial HOA (3 months)$258.99
Prepaid interest, first (30 days)$1,950.53
Fees + prepaids$12,045.27
Your down payment is the seller’s equity. You take over the $346,444 balance, so the rest of the $329,500 price is paid at closing. A second mortgage can cover part of it. $12,045.27 is due at closing. Not a Closing Disclosure.