Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,303Not just lender fees.
Before credits & paid funds$10,303The complete starting cash picture.
Estimated remaining funds due at closing
$10,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$53,780.59
Your down payment$0.00
Closing costs + prepaids$10,302.63
Total buyer cash needed$10,302.63
Remaining funds due$10,302.63
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)$348.00
Initial HOA (3 months)$224.01
Prepaid interest, first (10 days)$605.62
Fees + prepaids$10,302.63
Your down payment is the seller’s equity. You take over the $343,781 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $10,302.63 is due at closing. Not a Closing Disclosure.