Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,241Not just lender fees.
Before credits & paid funds$12,241The complete starting cash picture.
Estimated remaining funds due at closing
$12,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$48,981.16
Your down payment$0.00
Closing costs + prepaids$12,241.50
Total buyer cash needed$12,241.50
Remaining funds due$12,241.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$1,744.00
Initial HOA (3 months)$39.00
Prepaid interest, first (26 days)$1,583.50
Fees + prepaids$12,241.50
Your down payment is the seller’s equity. You take over the $313,981 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $12,241.50 is due at closing. Not a Closing Disclosure.