Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,811Not just lender fees.
Before credits & paid funds$11,811The complete starting cash picture.
Estimated remaining funds due at closing
$11,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$41,846.22
Your down payment$0.00
Closing costs + prepaids$11,811.22
Total buyer cash needed$11,811.22
Remaining funds due$11,811.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$454.75
Initial HOA (3 months)$1,149.00
Prepaid interest, first (30 days)$1,532.47
Fees + prepaids$11,811.22
Your down payment is the seller’s equity. You take over the $286,846 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $11,811.22 is due at closing. Not a Closing Disclosure.