Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$5,105Cash toward the purchase price.
Closing costs + prepaids$11,295Not just lender fees.
Before credits & paid funds$16,400The complete starting cash picture.
Estimated remaining funds due at closing
$16,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,105.01
Your down payment$5,105.01
Closing costs + prepaids$11,294.77
Total buyer cash needed$16,399.78
Remaining funds due$16,399.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,870.00
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)$894.25
Initial HOA (3 months)$189.99
Prepaid interest, first (23 days)$1,115.53
Fees + prepaids$11,294.77
Your down payment is the seller’s equity. You take over the $281,895 balance, so the rest of the $287,000 price is paid at closing. A second mortgage can cover part of it. $16,399.78 is due at closing. Uses and sources reconcile at $298,294.77 each. Not a Closing Disclosure.