Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,842Not just lender fees.
Before credits & paid funds$9,842The complete starting cash picture.
Estimated remaining funds due at closing
$9,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$46,727.22
Your down payment$0.00
Closing costs + prepaids$9,841.98
Total buyer cash needed$9,841.98
Remaining funds due$9,841.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$452.75
Initial HOA (3 months)$294.00
Prepaid interest, first (2 days)$120.23
Fees + prepaids$9,841.98
Your down payment is the seller’s equity. You take over the $321,727 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $9,841.98 is due at closing. Not a Closing Disclosure.