Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$10,426Cash toward the purchase price.
Closing costs + prepaids$11,439Not just lender fees.
Before credits & paid funds$21,865The complete starting cash picture.
Estimated remaining funds due at closing
$21,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,426.39
Your down payment$10,426.39
Closing costs + prepaids$11,438.75
Total buyer cash needed$21,865.15
Remaining funds due$21,865.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,811.00
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)$702.75
Initial HOA (3 months)$99.99
Prepaid interest, first (31 days)$1,600.01
Fees + prepaids$11,438.75
Your down payment is the seller’s equity. You take over the $270,674 balance, so the rest of the $281,100 price is paid at closing. A second mortgage can cover part of it. $21,865.15 is due at closing. Uses and sources reconcile at $292,538.75 each. Not a Closing Disclosure.