Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,707Not just lender fees.
Before credits & paid funds$9,707The complete starting cash picture.
Estimated remaining funds due at closing
$9,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$52,953.11
Your down payment$0.00
Closing costs + prepaids$9,706.81
Total buyer cash needed$9,706.81
Remaining funds due$9,706.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,200.00
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)$914.00
Initial HOA (3 months)$270.00
Prepaid interest, first (2 days)$97.81
Fees + prepaids$9,706.81
Your down payment is the seller’s equity. You take over the $272,953 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $9,706.81 is due at closing. Not a Closing Disclosure.