Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,941Not just lender fees.
Before credits & paid funds$10,941The complete starting cash picture.
Estimated remaining funds due at closing
$10,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$51,781.22
Your down payment$0.00
Closing costs + prepaids$10,940.50
Total buyer cash needed$10,940.50
Remaining funds due$10,940.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,845.00
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)$760.25
Initial HOA (3 months)$879.00
Prepaid interest, first (30 days)$1,231.25
Fees + prepaids$10,940.50
Your down payment is the seller’s equity. You take over the $236,281 balance, so the rest of the $184,500 price is paid at closing. A second mortgage can cover part of it. $10,940.50 is due at closing. Not a Closing Disclosure.