Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$20,933Cash toward the purchase price.
Closing costs + prepaids$10,829Not just lender fees.
Before credits & paid funds$31,763The complete starting cash picture.
Estimated remaining funds due at closing
$31,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,933.34
Your down payment$20,933.34
Closing costs + prepaids$10,829.49
Total buyer cash needed$31,762.83
Remaining funds due$31,762.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$662.50
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$1,216.99
Fees + prepaids$10,829.49
Your down payment is the seller’s equity. You take over the $244,067 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $31,762.83 is due at closing. Uses and sources reconcile at $275,829.49 each. Not a Closing Disclosure.