Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,631Not just lender fees.
Before credits & paid funds$10,631The complete starting cash picture.
Estimated remaining funds due at closing
$10,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$62,266.55
Your down payment$0.00
Closing costs + prepaids$10,630.87
Total buyer cash needed$10,630.87
Remaining funds due$10,630.87
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)$423.75
Prepaid interest, first (28 days)$1,532.12
Fees + prepaids$10,630.87
Your down payment is the seller’s equity. You take over the $307,267 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $10,630.87 is due at closing. Not a Closing Disclosure.