Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$94,924Not just lender fees.
Before credits & paid funds$94,924The complete starting cash picture.
Estimated remaining funds due at closing
$94,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$21,426.50
Your down payment$0.00
Closing costs + prepaids$94,923.80
Total buyer cash needed$94,923.80
Remaining funds due$94,923.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,510.00
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)$85,795.25
Initial HOA (3 months)$291.00
Prepaid interest, first (2 days)$102.55
Fees + prepaids$94,923.80
Your down payment is the seller’s equity. You take over the $272,426 balance, so the rest of the $251,000 price is paid at closing. A second mortgage can cover part of it. $94,923.80 is due at closing. Not a Closing Disclosure.