Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$8,143Not just lender fees.
Before credits & paid funds$8,143The complete starting cash picture.
Estimated remaining funds due at closing
$8,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$59,964.86
Your down payment$0.00
Closing costs + prepaids$8,143.19
Total buyer cash needed$8,143.19
Remaining funds due$8,143.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,405.00
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)$168.50
Prepaid interest, first (12 days)$344.69
Fees + prepaids$8,143.19
Your down payment is the seller’s equity. You take over the $200,465 balance, so the rest of the $140,500 price is paid at closing. A second mortgage can cover part of it. $8,143.19 is due at closing. Not a Closing Disclosure.