Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,276Cash toward the purchase price.
Closing costs + prepaids$11,006Not just lender fees.
Before credits & paid funds$23,282The complete starting cash picture.
Estimated remaining funds due at closing
$23,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,275.78
Your down payment$12,275.78
Closing costs + prepaids$11,006.13
Total buyer cash needed$23,281.90
Remaining funds due$23,281.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$625.00
Initial HOA (3 months)$390.00
Prepaid interest, first (27 days)$1,266.13
Fees + prepaids$11,006.13
Your down payment is the seller’s equity. You take over the $237,724 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $23,281.90 is due at closing. Uses and sources reconcile at $261,006.13 each. Not a Closing Disclosure.