Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$18,406Cash toward the purchase price.
Closing costs + prepaids$10,706Not just lender fees.
Before credits & paid funds$29,112The complete starting cash picture.
Estimated remaining funds due at closing
$29,112No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,405.60
Your down payment$18,405.60
Closing costs + prepaids$10,706.34
Total buyer cash needed$29,111.94
Remaining funds due$29,111.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$206.75
Initial HOA (3 months)$471.00
Prepaid interest, first (25 days)$1,153.59
Fees + prepaids$10,706.34
Your down payment is the seller’s equity. You take over the $246,594 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $29,111.94 is due at closing. Uses and sources reconcile at $275,706.34 each. Not a Closing Disclosure.