Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,577Not just lender fees.
Before credits & paid funds$9,577The complete starting cash picture.
Estimated remaining funds due at closing
$9,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$20,788.91
Your down payment$0.00
Closing costs + prepaids$9,576.86
Total buyer cash needed$9,576.86
Remaining funds due$9,576.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$164.75
Initial HOA (3 months)$459.00
Prepaid interest, first (20 days)$478.11
Fees + prepaids$9,576.86
Your down payment is the seller’s equity. You take over the $245,789 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $9,576.86 is due at closing. Not a Closing Disclosure.