Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,252Not just lender fees.
Before credits & paid funds$12,252The complete starting cash picture.
Estimated remaining funds due at closing
$12,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$23,856.68
Your down payment$0.00
Closing costs + prepaids$12,251.79
Total buyer cash needed$12,251.79
Remaining funds due$12,251.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,769.00
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)$956.00
Initial HOA (3 months)$960.00
Prepaid interest, first (23 days)$1,341.79
Fees + prepaids$12,251.79
Your down payment is the seller’s equity. You take over the $300,757 balance, so the rest of the $276,900 price is paid at closing. A second mortgage can cover part of it. $12,251.79 is due at closing. Not a Closing Disclosure.