Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,644Not just lender fees.
Before credits & paid funds$9,644The complete starting cash picture.
Estimated remaining funds due at closing
$9,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$14,789.39
Your down payment$0.00
Closing costs + prepaids$9,643.52
Total buyer cash needed$9,643.52
Remaining funds due$9,643.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$1,032.25
Initial HOA (3 months)$51.00
Prepaid interest, first (2 days)$85.27
Fees + prepaids$9,643.52
Your down payment is the seller’s equity. You take over the $239,789 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $9,643.52 is due at closing. Not a Closing Disclosure.