Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$7,745Not just lender fees.
Before credits & paid funds$7,745The complete starting cash picture.
Estimated remaining funds due at closing
$7,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$186,221.49
Your down payment$0.00
Closing costs + prepaids$7,745.10
Total buyer cash needed$7,745.10
Remaining funds due$7,745.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$430.00
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)$50.00
Prepaid interest, first (26 days)$1,040.10
Fees + prepaids$7,745.10
Your down payment is the seller’s equity. You take over the $229,221 balance, so the rest of the $43,000 price is paid at closing. A second mortgage can cover part of it. $7,745.10 is due at closing. Not a Closing Disclosure.