Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$16,383Cash toward the purchase price.
Closing costs + prepaids$11,342Not just lender fees.
Before credits & paid funds$27,725The complete starting cash picture.
Estimated remaining funds due at closing
$27,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,382.90
Your down payment$16,382.90
Closing costs + prepaids$11,341.76
Total buyer cash needed$27,724.66
Remaining funds due$27,724.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,435.00
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)$703.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (23 days)$898.76
Fees + prepaids$11,341.76
Your down payment is the seller’s equity. You take over the $227,117 balance, so the rest of the $243,500 price is paid at closing. A second mortgage can cover part of it. $27,724.66 is due at closing. Uses and sources reconcile at $254,841.76 each. Not a Closing Disclosure.