Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,612Not just lender fees.
Before credits & paid funds$9,612The complete starting cash picture.
Estimated remaining funds due at closing
$9,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$21,713.40
Your down payment$0.00
Closing costs + prepaids$9,611.68
Total buyer cash needed$9,611.68
Remaining funds due$9,611.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$196.50
Initial HOA (3 months)$792.00
Prepaid interest, first (1 days)$48.18
Fees + prepaids$9,611.68
Your down payment is the seller’s equity. You take over the $256,713 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $9,611.68 is due at closing. Not a Closing Disclosure.