Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$2,887Cash toward the purchase price.
Closing costs + prepaids$10,460Not just lender fees.
Before credits & paid funds$13,347The complete starting cash picture.
Estimated remaining funds due at closing
$13,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,887.46
Your down payment$2,887.46
Closing costs + prepaids$10,459.74
Total buyer cash needed$13,347.20
Remaining funds due$13,347.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$785.00
Initial HOA (3 months)$291.00
Prepaid interest, first (26 days)$759.74
Fees + prepaids$10,459.74
Your down payment is the seller’s equity. You take over the $237,013 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $13,347.20 is due at closing. Uses and sources reconcile at $250,359.74 each. Not a Closing Disclosure.