Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,155Not just lender fees.
Before credits & paid funds$10,155The complete starting cash picture.
Estimated remaining funds due at closing
$10,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$36,534.99
Your down payment$0.00
Closing costs + prepaids$10,154.77
Total buyer cash needed$10,154.77
Remaining funds due$10,154.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,275.00
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)$33.00
Initial HOA (3 months)$135.00
Prepaid interest, first (31 days)$1,486.77
Fees + prepaids$10,154.77
Your down payment is the seller’s equity. You take over the $264,035 balance, so the rest of the $227,500 price is paid at closing. A second mortgage can cover part of it. $10,154.77 is due at closing. Not a Closing Disclosure.