Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$10,925Cash toward the purchase price.
Closing costs + prepaids$11,476Not just lender fees.
Before credits & paid funds$22,402The complete starting cash picture.
Estimated remaining funds due at closing
$22,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,925.43
Your down payment$10,925.43
Closing costs + prepaids$11,476.08
Total buyer cash needed$22,401.51
Remaining funds due$22,401.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,920.00
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)$365.50
Initial HOA (3 months)$585.00
Prepaid interest, first (27 days)$1,380.58
Fees + prepaids$11,476.08
Your down payment is the seller’s equity. You take over the $281,075 balance, so the rest of the $292,000 price is paid at closing. A second mortgage can cover part of it. $22,401.51 is due at closing. Uses and sources reconcile at $303,476.08 each. Not a Closing Disclosure.