Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$15,519Cash toward the purchase price.
Closing costs + prepaids$11,798Not just lender fees.
Before credits & paid funds$27,316The complete starting cash picture.
Estimated remaining funds due at closing
$27,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,518.73
Your down payment$15,518.73
Closing costs + prepaids$11,797.72
Total buyer cash needed$27,316.45
Remaining funds due$27,316.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,569.00
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)$592.75
Initial HOA (3 months)$1,410.00
Prepaid interest, first (22 days)$1,000.97
Fees + prepaids$11,797.72
Your down payment is the seller’s equity. You take over the $241,381 balance, so the rest of the $256,900 price is paid at closing. A second mortgage can cover part of it. $27,316.45 is due at closing. Uses and sources reconcile at $268,697.72 each. Not a Closing Disclosure.