Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$4,398Cash toward the purchase price.
Closing costs + prepaids$11,141Not just lender fees.
Before credits & paid funds$15,538The complete starting cash picture.
Estimated remaining funds due at closing
$15,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,397.70
Your down payment$4,397.70
Closing costs + prepaids$11,140.78
Total buyer cash needed$15,538.48
Remaining funds due$15,538.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$1,060.50
Initial HOA (3 months)$50.01
Prepaid interest, first (22 days)$1,055.27
Fees + prepaids$11,140.78
Your down payment is the seller’s equity. You take over the $270,602 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $15,538.48 is due at closing. Uses and sources reconcile at $286,140.78 each. Not a Closing Disclosure.