Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$18,666Cash toward the purchase price.
Closing costs + prepaids$11,151Not just lender fees.
Before credits & paid funds$29,816The complete starting cash picture.
Estimated remaining funds due at closing
$29,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,665.65
Your down payment$18,665.65
Closing costs + prepaids$11,150.68
Total buyer cash needed$29,816.33
Remaining funds due$29,816.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,659.00
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)$863.75
Initial HOA (3 months)$330.00
Prepaid interest, first (22 days)$1,072.93
Fees + prepaids$11,150.68
Your down payment is the seller’s equity. You take over the $247,234 balance, so the rest of the $265,900 price is paid at closing. A second mortgage can cover part of it. $29,816.33 is due at closing. Uses and sources reconcile at $277,050.68 each. Not a Closing Disclosure.