Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,487Not just lender fees.
Before credits & paid funds$10,487The complete starting cash picture.
Estimated remaining funds due at closing
$10,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$15,174.87
Your down payment$0.00
Closing costs + prepaids$10,486.61
Total buyer cash needed$10,486.61
Remaining funds due$10,486.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$353.25
Initial HOA (3 months)$198.00
Prepaid interest, first (27 days)$1,311.36
Fees + prepaids$10,486.61
Your down payment is the seller’s equity. You take over the $255,075 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $10,486.61 is due at closing. Not a Closing Disclosure.