Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,447Not just lender fees.
Before credits & paid funds$10,447The complete starting cash picture.
Estimated remaining funds due at closing
$10,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$9,433.04
Your down payment$0.00
Closing costs + prepaids$10,446.50
Total buyer cash needed$10,446.50
Remaining funds due$10,446.50
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)$105.25
Initial HOA (3 months)$714.00
Prepaid interest, first (26 days)$1,152.25
Fees + prepaids$10,446.50
Your down payment is the seller’s equity. You take over the $234,433 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $10,446.50 is due at closing. Not a Closing Disclosure.