Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,129Not just lender fees.
Before credits & paid funds$10,129The complete starting cash picture.
Estimated remaining funds due at closing
$10,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$21,894.36
Your down payment$0.00
Closing costs + prepaids$10,128.57
Total buyer cash needed$10,128.57
Remaining funds due$10,128.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,900.00
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)$623.00
Initial HOA (3 months)$297.99
Prepaid interest, first (28 days)$1,082.58
Fees + prepaids$10,128.57
Your down payment is the seller’s equity. You take over the $211,894 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $10,128.57 is due at closing. Not a Closing Disclosure.