Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,275Not just lender fees.
Before credits & paid funds$10,275The complete starting cash picture.
Estimated remaining funds due at closing
$10,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$112,756.70
Your down payment$0.00
Closing costs + prepaids$10,274.56
Total buyer cash needed$10,274.56
Remaining funds due$10,274.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,965.00
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)$355.75
Prepaid interest, first (10 days)$728.81
Fees + prepaids$10,274.56
Your down payment is the seller’s equity. You take over the $409,257 balance, so the rest of the $296,500 price is paid at closing. A second mortgage can cover part of it. $10,274.56 is due at closing. Not a Closing Disclosure.