Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$8,465Not just lender fees.
Before credits & paid funds$8,465The complete starting cash picture.
Estimated remaining funds due at closing
$8,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$38,544.13
Your down payment$0.00
Closing costs + prepaids$8,465.18
Total buyer cash needed$8,465.18
Remaining funds due$8,465.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,000.00
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)$206.00
Prepaid interest, first (1 days)$34.18
Fees + prepaids$8,465.18
Your down payment is the seller’s equity. You take over the $238,544 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $8,465.18 is due at closing. Not a Closing Disclosure.