Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$17,890Cash toward the purchase price.
Closing costs + prepaids$12,394Not just lender fees.
Before credits & paid funds$30,284The complete starting cash picture.
Estimated remaining funds due at closing
$30,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,890.03
Your down payment$17,890.03
Closing costs + prepaids$12,394.34
Total buyer cash needed$30,284.37
Remaining funds due$30,284.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.95
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)$922.25
Initial HOA (3 months)$1,449.00
Prepaid interest, first (24 days)$1,048.14
Fees + prepaids$12,394.34
Your down payment is the seller’s equity. You take over the $257,105 balance, so the rest of the $274,995 price is paid at closing. A second mortgage can cover part of it. $30,284.37 is due at closing. Uses and sources reconcile at $287,389.34 each. Not a Closing Disclosure.