Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$14,202Cash toward the purchase price.
Closing costs + prepaids$10,931Not just lender fees.
Before credits & paid funds$25,133The complete starting cash picture.
Estimated remaining funds due at closing
$25,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,202.29
Your down payment$14,202.29
Closing costs + prepaids$10,930.86
Total buyer cash needed$25,133.14
Remaining funds due$25,133.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$722.00
Initial HOA (3 months)$90.00
Prepaid interest, first (29 days)$1,393.86
Fees + prepaids$10,930.86
Your down payment is the seller’s equity. You take over the $235,798 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $25,133.14 is due at closing. Uses and sources reconcile at $260,930.86 each. Not a Closing Disclosure.