Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,047Not just lender fees.
Before credits & paid funds$12,047The complete starting cash picture.
Estimated remaining funds due at closing
$12,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$60,088.03
Your down payment$0.00
Closing costs + prepaids$12,046.56
Total buyer cash needed$12,046.56
Remaining funds due$12,046.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$1,369.75
Initial HOA (3 months)$600.00
Prepaid interest, first (26 days)$1,351.81
Fees + prepaids$12,046.56
Your down payment is the seller’s equity. You take over the $310,088 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $12,046.56 is due at closing. Not a Closing Disclosure.