Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,037Not just lender fees.
Before credits & paid funds$10,037The complete starting cash picture.
Estimated remaining funds due at closing
$10,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$14,120.54
Your down payment$0.00
Closing costs + prepaids$10,037.40
Total buyer cash needed$10,037.40
Remaining funds due$10,037.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,770.00
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)$109.25
Initial HOA (3 months)$825.00
Prepaid interest, first (2 days)$108.15
Fees + prepaids$10,037.40
Your down payment is the seller’s equity. You take over the $291,121 balance, so the rest of the $277,000 price is paid at closing. A second mortgage can cover part of it. $10,037.40 is due at closing. Not a Closing Disclosure.