Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,476Not just lender fees.
Before credits & paid funds$9,476The complete starting cash picture.
Estimated remaining funds due at closing
$9,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$28,801.48
Your down payment$0.00
Closing costs + prepaids$9,475.73
Total buyer cash needed$9,475.73
Remaining funds due$9,475.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,680.00
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)$865.75
Prepaid interest, first (25 days)$704.98
Fees + prepaids$9,475.73
Your down payment is the seller’s equity. You take over the $196,801 balance, so the rest of the $168,000 price is paid at closing. A second mortgage can cover part of it. $9,475.73 is due at closing. Not a Closing Disclosure.