Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$7,687Not just lender fees.
Before credits & paid funds$7,687The complete starting cash picture.
Estimated remaining funds due at closing
$7,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$21,452.98
Your down payment$0.00
Closing costs + prepaids$7,687.46
Total buyer cash needed$7,687.46
Remaining funds due$7,687.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,101.60
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)$132.25
Prepaid interest, first (10 days)$228.61
Fees + prepaids$7,687.46
Your down payment is the seller’s equity. You take over the $131,613 balance, so the rest of the $110,160 price is paid at closing. A second mortgage can cover part of it. $7,687.46 is due at closing. Not a Closing Disclosure.