Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,598Not just lender fees.
Before credits & paid funds$10,598The complete starting cash picture.
Estimated remaining funds due at closing
$10,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$39,332.94
Your down payment$0.00
Closing costs + prepaids$10,598.24
Total buyer cash needed$10,598.24
Remaining funds due$10,598.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,250.00
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)$390.00
Initial HOA (3 months)$99.00
Prepaid interest, first (9 days)$634.24
Fees + prepaids$10,598.24
Your down payment is the seller’s equity. You take over the $364,333 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $10,598.24 is due at closing. Not a Closing Disclosure.