Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,224Not just lender fees.
Before credits & paid funds$9,224The complete starting cash picture.
Estimated remaining funds due at closing
$9,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$15,463.12
Your down payment$0.00
Closing costs + prepaids$9,223.87
Total buyer cash needed$9,223.87
Remaining funds due$9,223.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$353.25
Initial HOA (3 months)$198.00
Prepaid interest, first (1 days)$48.62
Fees + prepaids$9,223.87
Your down payment is the seller’s equity. You take over the $255,363 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $9,223.87 is due at closing. Not a Closing Disclosure.