Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,815Not just lender fees.
Before credits & paid funds$9,815The complete starting cash picture.
Estimated remaining funds due at closing
$9,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$37,389.93
Your down payment$0.00
Closing costs + prepaids$9,815.29
Total buyer cash needed$9,815.29
Remaining funds due$9,815.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.90
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)$406.00
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$59.39
Fees + prepaids$9,815.29
Your down payment is the seller’s equity. You take over the $312,380 balance, so the rest of the $274,990 price is paid at closing. A second mortgage can cover part of it. $9,815.29 is due at closing. Not a Closing Disclosure.