Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$14,710Cash toward the purchase price.
Closing costs + prepaids$10,878Not just lender fees.
Before credits & paid funds$25,588The complete starting cash picture.
Estimated remaining funds due at closing
$25,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,709.81
Your down payment$14,709.81
Closing costs + prepaids$10,877.86
Total buyer cash needed$25,587.68
Remaining funds due$25,587.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,654.99
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)$461.25
Initial HOA (3 months)$372.00
Prepaid interest, first (25 days)$1,164.62
Fees + prepaids$10,877.86
Your down payment is the seller’s equity. You take over the $250,789 balance, so the rest of the $265,499 price is paid at closing. A second mortgage can cover part of it. $25,587.68 is due at closing. Uses and sources reconcile at $276,376.86 each. Not a Closing Disclosure.