Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$6,011Cash toward the purchase price.
Closing costs + prepaids$10,686Not just lender fees.
Before credits & paid funds$16,697The complete starting cash picture.
Estimated remaining funds due at closing
$16,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,011.42
Your down payment$6,011.42
Closing costs + prepaids$10,685.72
Total buyer cash needed$16,697.14
Remaining funds due$16,697.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$175.25
Initial HOA (3 months)$765.00
Prepaid interest, first (23 days)$1,030.47
Fees + prepaids$10,685.72
Your down payment is the seller’s equity. You take over the $242,989 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $16,697.14 is due at closing. Uses and sources reconcile at $259,685.72 each. Not a Closing Disclosure.