Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$3,084Cash toward the purchase price.
Closing costs + prepaids$11,097Not just lender fees.
Before credits & paid funds$14,181The complete starting cash picture.
Estimated remaining funds due at closing
$14,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,084.01
Your down payment$3,084.01
Closing costs + prepaids$11,096.65
Total buyer cash needed$14,180.66
Remaining funds due$14,180.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$492.50
Initial HOA (3 months)$495.00
Prepaid interest, first (22 days)$1,134.15
Fees + prepaids$11,096.65
Your down payment is the seller’s equity. You take over the $271,916 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $14,180.66 is due at closing. Uses and sources reconcile at $286,096.65 each. Not a Closing Disclosure.