Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,159Not just lender fees.
Before credits & paid funds$10,159The complete starting cash picture.
Estimated remaining funds due at closing
$10,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$10,587.13
Your down payment$0.00
Closing costs + prepaids$10,158.96
Total buyer cash needed$10,158.96
Remaining funds due$10,158.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.50
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)$247.50
Initial HOA (3 months)$639.00
Prepaid interest, first (24 days)$1,047.96
Fees + prepaids$10,158.96
Your down payment is the seller’s equity. You take over the $210,537 balance, so the rest of the $199,950 price is paid at closing. A second mortgage can cover part of it. $10,158.96 is due at closing. Not a Closing Disclosure.