Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,321Not just lender fees.
Before credits & paid funds$11,321The complete starting cash picture.
Estimated remaining funds due at closing
$11,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$53,111.02
Your down payment$0.00
Closing costs + prepaids$11,321.46
Total buyer cash needed$11,321.46
Remaining funds due$11,321.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$886.25
Initial HOA (3 months)$255.00
Prepaid interest, first (2 days)$155.21
Fees + prepaids$11,321.46
Your down payment is the seller’s equity. You take over the $433,111 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $11,321.46 is due at closing. Not a Closing Disclosure.