Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$6,616Cash toward the purchase price.
Closing costs + prepaids$11,577Not just lender fees.
Before credits & paid funds$18,192The complete starting cash picture.
Estimated remaining funds due at closing
$18,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,615.71
Your down payment$6,615.71
Closing costs + prepaids$11,576.73
Total buyer cash needed$18,192.44
Remaining funds due$18,192.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$885.75
Initial HOA (3 months)$249.99
Prepaid interest, first (25 days)$1,315.99
Fees + prepaids$11,576.73
Your down payment is the seller’s equity. You take over the $283,384 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $18,192.44 is due at closing. Uses and sources reconcile at $301,576.73 each. Not a Closing Disclosure.