Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$2,987Cash toward the purchase price.
Closing costs + prepaids$10,416Not just lender fees.
Before credits & paid funds$13,404The complete starting cash picture.
Estimated remaining funds due at closing
$13,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,987.46
Your down payment$2,987.46
Closing costs + prepaids$10,416.41
Total buyer cash needed$13,403.87
Remaining funds due$13,403.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$890.75
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$526.66
Fees + prepaids$10,416.41
Your down payment is the seller’s equity. You take over the $266,913 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $13,403.87 is due at closing. Uses and sources reconcile at $280,316.41 each. Not a Closing Disclosure.