Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$6,294Not just lender fees.
Before credits & paid funds$6,294The complete starting cash picture.
Estimated remaining funds due at closing
$6,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$161,666.90
Your down payment$0.00
Closing costs + prepaids$6,294.43
Total buyer cash needed$6,294.43
Remaining funds due$6,294.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$39.00
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)$9.75
Prepaid interest, first (2 days)$20.68
Fees + prepaids$6,294.43
Your down payment is the seller’s equity. You take over the $165,567 balance, so the rest of the $3,900 price is paid at closing. A second mortgage can cover part of it. $6,294.43 is due at closing. Not a Closing Disclosure.