Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$28,635Cash toward the purchase price.
Closing costs + prepaids$10,897Not just lender fees.
Before credits & paid funds$39,532The complete starting cash picture.
Estimated remaining funds due at closing
$39,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,634.66
Your down payment$28,634.66
Closing costs + prepaids$10,896.94
Total buyer cash needed$39,531.60
Remaining funds due$39,531.60
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)$1,441.75
Initial HOA (3 months)$51.51
Prepaid interest, first (26 days)$528.68
Fees + prepaids$10,896.94
Your down payment is the seller’s equity. You take over the $236,365 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $39,531.60 is due at closing. Uses and sources reconcile at $275,896.94 each. Not a Closing Disclosure.