Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,783Not just lender fees.
Before credits & paid funds$10,783The complete starting cash picture.
Estimated remaining funds due at closing
$10,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$179,136.59
Your down payment$0.00
Closing costs + prepaids$10,783.08
Total buyer cash needed$10,783.08
Remaining funds due$10,783.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,289.90
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)$378.50
Prepaid interest, first (26 days)$1,889.68
Fees + prepaids$10,783.08
Your down payment is the seller’s equity. You take over the $408,127 balance, so the rest of the $228,990 price is paid at closing. A second mortgage can cover part of it. $10,783.08 is due at closing. Not a Closing Disclosure.