Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,829Not just lender fees.
Before credits & paid funds$10,829The complete starting cash picture.
Estimated remaining funds due at closing
$10,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$10,801.73
Your down payment$0.00
Closing costs + prepaids$10,828.69
Total buyer cash needed$10,828.69
Remaining funds due$10,828.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,359.00
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)$452.50
Prepaid interest, first (20 days)$792.19
Fees + prepaids$10,828.69
Your down payment is the seller’s equity. You take over the $346,702 balance, so the rest of the $335,900 price is paid at closing. A second mortgage can cover part of it. $10,828.69 is due at closing. Not a Closing Disclosure.