Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$5,331Cash toward the purchase price.
Closing costs + prepaids$11,467Not just lender fees.
Before credits & paid funds$16,799The complete starting cash picture.
Estimated remaining funds due at closing
$16,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,331.36
Your down payment$5,331.36
Closing costs + prepaids$11,467.45
Total buyer cash needed$16,798.81
Remaining funds due$16,798.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,700.00
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)$1,577.00
Initial HOA (3 months)$381.00
Prepaid interest, first (26 days)$584.45
Fees + prepaids$11,467.45
Your down payment is the seller’s equity. You take over the $264,669 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $16,798.81 is due at closing. Uses and sources reconcile at $281,467.45 each. Not a Closing Disclosure.