Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,995Not just lender fees.
Before credits & paid funds$11,995The complete starting cash picture.
Estimated remaining funds due at closing
$11,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$5,784.67
Your down payment$0.00
Closing costs + prepaids$11,994.76
Total buyer cash needed$11,994.76
Remaining funds due$11,994.76
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)$531.25
Initial HOA (3 months)$240.00
Prepaid interest, first (31 days)$1,798.51
Fees + prepaids$11,994.76
Your down payment is the seller’s equity. You take over the $325,785 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $11,994.76 is due at closing. Not a Closing Disclosure.