Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$8,500Not just lender fees.
Before credits & paid funds$8,500The complete starting cash picture.
Estimated remaining funds due at closing
$8,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$28,754.41
Your down payment$0.00
Closing costs + prepaids$8,499.71
Total buyer cash needed$8,499.71
Remaining funds due$8,499.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,300.00
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)$78.00
Initial HOA (3 months)$864.00
Prepaid interest, first (2 days)$32.71
Fees + prepaids$8,499.71
Your down payment is the seller’s equity. You take over the $158,754 balance, so the rest of the $130,000 price is paid at closing. A second mortgage can cover part of it. $8,499.71 is due at closing. Not a Closing Disclosure.