Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,167Not just lender fees.
Before credits & paid funds$10,167The complete starting cash picture.
Estimated remaining funds due at closing
$10,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$107,886.28
Your down payment$0.00
Closing costs + prepaids$10,167.10
Total buyer cash needed$10,167.10
Remaining funds due$10,167.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$825.00
Prepaid interest, first (23 days)$667.10
Fees + prepaids$10,167.10
Your down payment is the seller’s equity. You take over the $352,886 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $10,167.10 is due at closing. Not a Closing Disclosure.