Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,114Not just lender fees.
Before credits & paid funds$10,114The complete starting cash picture.
Estimated remaining funds due at closing
$10,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$10,954.09
Your down payment$0.00
Closing costs + prepaids$10,113.81
Total buyer cash needed$10,113.81
Remaining funds due$10,113.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,950.00
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)$549.50
Initial HOA (3 months)$375.00
Prepaid interest, first (28 days)$1,014.31
Fees + prepaids$10,113.81
Your down payment is the seller’s equity. You take over the $205,954 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $10,113.81 is due at closing. Not a Closing Disclosure.