Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$3,481Cash toward the purchase price.
Closing costs + prepaids$10,528Not just lender fees.
Before credits & paid funds$14,009The complete starting cash picture.
Estimated remaining funds due at closing
$14,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,481.31
Your down payment$3,481.31
Closing costs + prepaids$10,527.82
Total buyer cash needed$14,009.14
Remaining funds due$14,009.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$542.00
Prepaid interest, first (26 days)$1,260.82
Fees + prepaids$10,527.82
Your down payment is the seller’s equity. You take over the $246,519 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $14,009.14 is due at closing. Uses and sources reconcile at $260,527.82 each. Not a Closing Disclosure.