Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$5,660Cash toward the purchase price.
Closing costs + prepaids$10,471Not just lender fees.
Before credits & paid funds$16,131The complete starting cash picture.
Estimated remaining funds due at closing
$16,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,659.55
Your down payment$5,659.55
Closing costs + prepaids$10,470.98
Total buyer cash needed$16,130.53
Remaining funds due$16,130.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.99
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)$363.50
Initial HOA (3 months)$375.00
Prepaid interest, first (25 days)$1,107.49
Fees + prepaids$10,470.98
Your down payment is the seller’s equity. You take over the $234,339 balance, so the rest of the $239,999 price is paid at closing. A second mortgage can cover part of it. $16,130.53 is due at closing. Uses and sources reconcile at $250,469.98 each. Not a Closing Disclosure.