Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$4,801Cash toward the purchase price.
Closing costs + prepaids$10,916Not just lender fees.
Before credits & paid funds$15,717The complete starting cash picture.
Estimated remaining funds due at closing
$15,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,800.91
Your down payment$4,800.91
Closing costs + prepaids$10,916.09
Total buyer cash needed$15,717.00
Remaining funds due$15,717.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,810.00
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)$476.25
Initial HOA (3 months)$65.01
Prepaid interest, first (26 days)$1,339.83
Fees + prepaids$10,916.09
Your down payment is the seller’s equity. You take over the $276,199 balance, so the rest of the $281,000 price is paid at closing. A second mortgage can cover part of it. $15,717.00 is due at closing. Uses and sources reconcile at $291,916.09 each. Not a Closing Disclosure.