Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,219Not just lender fees.
Before credits & paid funds$9,219The complete starting cash picture.
Estimated remaining funds due at closing
$9,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$50,528.85
Your down payment$0.00
Closing costs + prepaids$9,219.34
Total buyer cash needed$9,219.34
Remaining funds due$9,219.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,590.00
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)$89.25
Initial HOA (3 months)$151.26
Prepaid interest, first (31 days)$1,163.83
Fees + prepaids$9,219.34
Your down payment is the seller’s equity. You take over the $209,529 balance, so the rest of the $159,000 price is paid at closing. A second mortgage can cover part of it. $9,219.34 is due at closing. Not a Closing Disclosure.