Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,603Not just lender fees.
Before credits & paid funds$10,603The complete starting cash picture.
Estimated remaining funds due at closing
$10,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$9,596.78
Your down payment$0.00
Closing costs + prepaids$10,602.89
Total buyer cash needed$10,602.89
Remaining funds due$10,602.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$395.25
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$722.64
Fees + prepaids$10,602.89
Your down payment is the seller’s equity. You take over the $299,597 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $10,602.89 is due at closing. Not a Closing Disclosure.