Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$14,892Cash toward the purchase price.
Closing costs + prepaids$10,634Not just lender fees.
Before credits & paid funds$25,526The complete starting cash picture.
Estimated remaining funds due at closing
$25,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,891.61
Your down payment$14,891.61
Closing costs + prepaids$10,634.37
Total buyer cash needed$25,525.98
Remaining funds due$25,525.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,640.00
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)$744.00
Prepaid interest, first (24 days)$1,025.37
Fees + prepaids$10,634.37
Your down payment is the seller’s equity. You take over the $249,108 balance, so the rest of the $264,000 price is paid at closing. A second mortgage can cover part of it. $25,525.98 is due at closing. Uses and sources reconcile at $274,634.37 each. Not a Closing Disclosure.