Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,566Not just lender fees.
Before credits & paid funds$11,566The complete starting cash picture.
Estimated remaining funds due at closing
$11,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$1,142.19
Your down payment$0.00
Closing costs + prepaids$11,566.33
Total buyer cash needed$11,566.33
Remaining funds due$11,566.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,760.00
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)$332.00
Initial HOA (3 months)$1,017.00
Prepaid interest, first (30 days)$1,232.33
Fees + prepaids$11,566.33
Your down payment is the seller’s equity. You take over the $277,142 balance, so the rest of the $276,000 price is paid at closing. A second mortgage can cover part of it. $11,566.33 is due at closing. Not a Closing Disclosure.