Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,327Not just lender fees.
Before credits & paid funds$10,327The complete starting cash picture.
Estimated remaining funds due at closing
$10,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$59,481.00
Your down payment$0.00
Closing costs + prepaids$10,327.43
Total buyer cash needed$10,327.43
Remaining funds due$10,327.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,200.00
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)$672.25
Prepaid interest, first (29 days)$1,230.18
Fees + prepaids$10,327.43
Your down payment is the seller’s equity. You take over the $279,481 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $10,327.43 is due at closing. Not a Closing Disclosure.