Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,173Not just lender fees.
Before credits & paid funds$10,173The complete starting cash picture.
Estimated remaining funds due at closing
$10,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$180,942.74
Your down payment$0.00
Closing costs + prepaids$10,173.17
Total buyer cash needed$10,173.17
Remaining funds due$10,173.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,599.00
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)$192.00
Initial HOA (3 months)$1,821.00
Prepaid interest, first (12 days)$336.17
Fees + prepaids$10,173.17
Your down payment is the seller’s equity. You take over the $340,843 balance, so the rest of the $159,900 price is paid at closing. A second mortgage can cover part of it. $10,173.17 is due at closing. Not a Closing Disclosure.