Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,388Not just lender fees.
Before credits & paid funds$13,388The complete starting cash picture.
Estimated remaining funds due at closing
$13,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$38,313.41
Your down payment$0.00
Closing costs + prepaids$13,387.57
Total buyer cash needed$13,387.57
Remaining funds due$13,387.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$750.00
Initial HOA (3 months)$408.00
Prepaid interest, first (31 days)$2,305.57
Fees + prepaids$13,387.57
Your down payment is the seller’s equity. You take over the $408,213 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $13,387.57 is due at closing. Not a Closing Disclosure.