Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,681Not just lender fees.
Before credits & paid funds$12,681The complete starting cash picture.
Estimated remaining funds due at closing
$12,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$1,427.58
Your down payment$0.00
Closing costs + prepaids$12,681.38
Total buyer cash needed$12,681.38
Remaining funds due$12,681.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$513.75
Initial HOA (3 months)$875.01
Prepaid interest, first (27 days)$1,417.62
Fees + prepaids$12,681.38
Your down payment is the seller’s equity. You take over the $366,428 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $12,681.38 is due at closing. Not a Closing Disclosure.