Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,622Not just lender fees.
Before credits & paid funds$12,622The complete starting cash picture.
Estimated remaining funds due at closing
$12,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$75,058.05
Your down payment$0.00
Closing costs + prepaids$12,622.09
Total buyer cash needed$12,622.09
Remaining funds due$12,622.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,425.00
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)$559.25
Initial HOA (3 months)$246.00
Prepaid interest, first (31 days)$2,166.84
Fees + prepaids$12,622.09
Your down payment is the seller’s equity. You take over the $417,558 balance, so the rest of the $342,500 price is paid at closing. A second mortgage can cover part of it. $12,622.09 is due at closing. Not a Closing Disclosure.