Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,807Not just lender fees.
Before credits & paid funds$9,807The complete starting cash picture.
Estimated remaining funds due at closing
$9,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$84,146.18
Your down payment$0.00
Closing costs + prepaids$9,807.06
Total buyer cash needed$9,807.06
Remaining funds due$9,807.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,500.00
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)$823.25
Prepaid interest, first (31 days)$1,258.81
Fees + prepaids$9,807.06
Your down payment is the seller’s equity. You take over the $234,146 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $9,807.06 is due at closing. Not a Closing Disclosure.