Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$17,299Cash toward the purchase price.
Closing costs + prepaids$10,827Not just lender fees.
Before credits & paid funds$28,126The complete starting cash picture.
Estimated remaining funds due at closing
$28,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,299.00
Your down payment$17,299.00
Closing costs + prepaids$10,827.03
Total buyer cash needed$28,126.04
Remaining funds due$28,126.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.97
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)$1,168.50
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$633.56
Fees + prepaids$10,827.03
Your down payment is the seller’s equity. You take over the $247,698 balance, so the rest of the $264,997 price is paid at closing. A second mortgage can cover part of it. $28,126.04 is due at closing. Uses and sources reconcile at $275,824.03 each. Not a Closing Disclosure.