Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$8,202Not just lender fees.
Before credits & paid funds$8,202The complete starting cash picture.
Estimated remaining funds due at closing
$8,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$55,651.56
Your down payment$0.00
Closing costs + prepaids$8,202.29
Total buyer cash needed$8,202.29
Remaining funds due$8,202.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,500.00
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)$152.75
Prepaid interest, first (20 days)$324.54
Fees + prepaids$8,202.29
Your down payment is the seller’s equity. You take over the $205,652 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $8,202.29 is due at closing. Not a Closing Disclosure.