Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,091Not just lender fees.
Before credits & paid funds$20,091The complete starting cash picture.
Estimated remaining funds due at closing
$20,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$375,500.00
Your down payment$0.00
Closing costs + prepaids$20,090.95
Total buyer cash needed$20,090.95
Remaining funds due$20,090.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$345.00
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)$41.50
Prepaid interest, first (12 days)$13,479.45
Fees + prepaids$20,090.95
Your down payment is the seller’s equity. You take over the $410,000 balance, so the rest of the $34,500 price is paid at closing. A second mortgage can cover part of it. $20,090.95 is due at closing. Not a Closing Disclosure.