Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$12,961Cash toward the purchase price.
Closing costs + prepaids$12,575Not just lender fees.
Before credits & paid funds$25,536The complete starting cash picture.
Estimated remaining funds due at closing
$25,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,961.46
Your down payment$12,961.46
Closing costs + prepaids$12,574.93
Total buyer cash needed$25,536.39
Remaining funds due$25,536.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$535.75
Initial HOA (3 months)$1,743.00
Prepaid interest, first (28 days)$1,322.18
Fees + prepaids$12,574.93
Your down payment is the seller’s equity. You take over the $261,939 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $25,536.39 is due at closing. Uses and sources reconcile at $287,474.93 each. Not a Closing Disclosure.