Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,382Not just lender fees.
Before credits & paid funds$11,382The complete starting cash picture.
Estimated remaining funds due at closing
$11,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$14,906.40
Your down payment$0.00
Closing costs + prepaids$11,381.85
Total buyer cash needed$11,381.85
Remaining funds due$11,381.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.99
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)$231.50
Initial HOA (3 months)$75.00
Prepaid interest, first (31 days)$1,900.36
Fees + prepaids$11,381.85
Your down payment is the seller’s equity. You take over the $309,905 balance, so the rest of the $294,999 price is paid at closing. A second mortgage can cover part of it. $11,381.85 is due at closing. Not a Closing Disclosure.