Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$8,036Not just lender fees.
Before credits & paid funds$8,036The complete starting cash picture.
Estimated remaining funds due at closing
$8,036No 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$8,036.46
Total buyer cash needed$8,036.46
Remaining funds due$8,036.46
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)$69.75
Prepaid interest, first (28 days)$640.11
Fees + prepaids$8,036.46
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. $8,036.46 is due at closing. Not a Closing Disclosure.