Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,550Not just lender fees.
Before credits & paid funds$10,550The complete starting cash picture.
Estimated remaining funds due at closing
$10,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$86,932.04
Your down payment$0.00
Closing costs + prepaids$10,549.51
Total buyer cash needed$10,549.51
Remaining funds due$10,549.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,064.00
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)$788.00
Initial HOA (3 months)$200.01
Prepaid interest, first (26 days)$1,272.50
Fees + prepaids$10,549.51
Your down payment is the seller’s equity. You take over the $293,332 balance, so the rest of the $206,400 price is paid at closing. A second mortgage can cover part of it. $10,549.51 is due at closing. Not a Closing Disclosure.