Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,132Not just lender fees.
Before credits & paid funds$10,132The complete starting cash picture.
Estimated remaining funds due at closing
$10,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$86,170.83
Your down payment$0.00
Closing costs + prepaids$10,131.59
Total buyer cash needed$10,131.59
Remaining funds due$10,131.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,025.00
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)$185.00
Prepaid interest, first (31 days)$1,696.59
Fees + prepaids$10,131.59
Your down payment is the seller’s equity. You take over the $288,671 balance, so the rest of the $202,500 price is paid at closing. A second mortgage can cover part of it. $10,131.59 is due at closing. Not a Closing Disclosure.