Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$18,247Cash toward the purchase price.
Closing costs + prepaids$10,615Not just lender fees.
Before credits & paid funds$28,862The complete starting cash picture.
Estimated remaining funds due at closing
$28,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,247.06
Your down payment$18,247.06
Closing costs + prepaids$10,614.71
Total buyer cash needed$28,861.77
Remaining funds due$28,861.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,540.00
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)$767.50
Initial HOA (3 months)$75.00
Prepaid interest, first (23 days)$1,007.21
Fees + prepaids$10,614.71
Your down payment is the seller’s equity. You take over the $235,753 balance, so the rest of the $254,000 price is paid at closing. A second mortgage can cover part of it. $28,861.77 is due at closing. Uses and sources reconcile at $264,614.71 each. Not a Closing Disclosure.