Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$15,662Cash toward the purchase price.
Closing costs + prepaids$11,324Not just lender fees.
Before credits & paid funds$26,986The complete starting cash picture.
Estimated remaining funds due at closing
$26,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,662.27
Your down payment$15,662.27
Closing costs + prepaids$11,323.67
Total buyer cash needed$26,985.94
Remaining funds due$26,985.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$765.50
Initial HOA (3 months)$125.01
Prepaid interest, first (26 days)$1,318.16
Fees + prepaids$11,323.67
Your down payment is the seller’s equity. You take over the $273,338 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $26,985.94 is due at closing. Uses and sources reconcile at $300,323.67 each. Not a Closing Disclosure.