Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$7,956Cash toward the purchase price.
Closing costs + prepaids$10,976Not just lender fees.
Before credits & paid funds$18,932The complete starting cash picture.
Estimated remaining funds due at closing
$18,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,956.27
Your down payment$7,956.27
Closing costs + prepaids$10,975.85
Total buyer cash needed$18,932.12
Remaining funds due$18,932.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,580.00
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)$883.50
Prepaid interest, first (27 days)$1,287.35
Fees + prepaids$10,975.85
Your down payment is the seller’s equity. You take over the $250,044 balance, so the rest of the $258,000 price is paid at closing. A second mortgage can cover part of it. $18,932.12 is due at closing. Uses and sources reconcile at $268,975.85 each. Not a Closing Disclosure.