Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,695Not just lender fees.
Before credits & paid funds$9,695The complete starting cash picture.
Estimated remaining funds due at closing
$9,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$34,204.91
Your down payment$0.00
Closing costs + prepaids$9,695.39
Total buyer cash needed$9,695.39
Remaining funds due$9,695.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,720.00
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)$206.50
Initial HOA (3 months)$1,290.00
Prepaid interest, first (7 days)$253.89
Fees + prepaids$9,695.39
Your down payment is the seller’s equity. You take over the $206,205 balance, so the rest of the $172,000 price is paid at closing. A second mortgage can cover part of it. $9,695.39 is due at closing. Not a Closing Disclosure.