Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,182Not just lender fees.
Before credits & paid funds$12,182The complete starting cash picture.
Estimated remaining funds due at closing
$12,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$88,982.03
Your down payment$0.00
Closing costs + prepaids$12,181.78
Total buyer cash needed$12,181.78
Remaining funds due$12,181.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$384.00
Initial HOA (3 months)$1,500.00
Prepaid interest, first (12 days)$873.78
Fees + prepaids$12,181.78
Your down payment is the seller’s equity. You take over the $408,882 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $12,181.78 is due at closing. Not a Closing Disclosure.