Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$7,981Not just lender fees.
Before credits & paid funds$7,981The complete starting cash picture.
Estimated remaining funds due at closing
$7,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$164,727.10
Your down payment$0.00
Closing costs + prepaids$7,980.77
Total buyer cash needed$7,980.77
Remaining funds due$7,980.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,290.00
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)$56.00
Prepaid interest, first (19 days)$409.77
Fees + prepaids$7,980.77
Your down payment is the seller’s equity. You take over the $293,727 balance, so the rest of the $129,000 price is paid at closing. A second mortgage can cover part of it. $7,980.77 is due at closing. Not a Closing Disclosure.