Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$8,587Not just lender fees.
Before credits & paid funds$8,587The complete starting cash picture.
Estimated remaining funds due at closing
$8,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$9,905.71
Your down payment$0.00
Closing costs + prepaids$8,586.59
Total buyer cash needed$8,586.59
Remaining funds due$8,586.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$198.00
Initial HOA (3 months)$306.00
Prepaid interest, first (12 days)$207.59
Fees + prepaids$8,586.59
Your down payment is the seller’s equity. You take over the $174,906 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $8,586.59 is due at closing. Not a Closing Disclosure.