Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,569Not just lender fees.
Before credits & paid funds$11,569The complete starting cash picture.
Estimated remaining funds due at closing
$11,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$18,952.39
Your down payment$0.00
Closing costs + prepaids$11,569.40
Total buyer cash needed$11,569.40
Remaining funds due$11,569.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,300.00
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)$396.00
Initial HOA (3 months)$1,170.00
Prepaid interest, first (12 days)$478.40
Fees + prepaids$11,569.40
Your down payment is the seller’s equity. You take over the $348,952 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $11,569.40 is due at closing. Not a Closing Disclosure.