Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,584Not just lender fees.
Before credits & paid funds$10,584The complete starting cash picture.
Estimated remaining funds due at closing
$10,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$25,910.94
Your down payment$0.00
Closing costs + prepaids$10,584.34
Total buyer cash needed$10,584.34
Remaining funds due$10,584.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,855.55
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)$474.00
Initial HOA (3 months)$228.00
Prepaid interest, first (18 days)$801.79
Fees + prepaids$10,584.34
Your down payment is the seller’s equity. You take over the $311,466 balance, so the rest of the $285,555 price is paid at closing. A second mortgage can cover part of it. $10,584.34 is due at closing. Not a Closing Disclosure.