Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,719Not just lender fees.
Before credits & paid funds$10,719The complete starting cash picture.
Estimated remaining funds due at closing
$10,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$61,123.61
Your down payment$0.00
Closing costs + prepaids$10,718.81
Total buyer cash needed$10,718.81
Remaining funds due$10,718.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$117.75
Initial HOA (3 months)$1,005.00
Prepaid interest, first (21 days)$1,121.06
Fees + prepaids$10,718.81
Your down payment is the seller’s equity. You take over the $286,124 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $10,718.81 is due at closing. Not a Closing Disclosure.