Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,799Not just lender fees.
Before credits & paid funds$11,799The complete starting cash picture.
Estimated remaining funds due at closing
$11,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$40,155.91
Your down payment$0.00
Closing costs + prepaids$11,799.16
Total buyer cash needed$11,799.16
Remaining funds due$11,799.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,459.00
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)$1,292.25
Initial HOA (3 months)$621.00
Prepaid interest, first (24 days)$1,201.91
Fees + prepaids$11,799.16
Your down payment is the seller’s equity. You take over the $286,056 balance, so the rest of the $245,900 price is paid at closing. A second mortgage can cover part of it. $11,799.16 is due at closing. Not a Closing Disclosure.