Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,187Not just lender fees.
Before credits & paid funds$12,187The complete starting cash picture.
Estimated remaining funds due at closing
$12,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$185,405.45
Your down payment$0.00
Closing costs + prepaids$12,186.71
Total buyer cash needed$12,186.71
Remaining funds due$12,186.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,890.00
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)$827.00
Initial HOA (3 months)$2,301.00
Prepaid interest, first (23 days)$943.71
Fees + prepaids$12,186.71
Your down payment is the seller’s equity. You take over the $374,405 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $12,186.71 is due at closing. Not a Closing Disclosure.