Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$5,330Cash toward the purchase price.
Closing costs + prepaids$10,933Not just lender fees.
Before credits & paid funds$16,263The complete starting cash picture.
Estimated remaining funds due at closing
$16,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,329.71
Your down payment$5,329.71
Closing costs + prepaids$10,932.95
Total buyer cash needed$16,262.65
Remaining funds due$16,262.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,605.00
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)$792.50
Initial HOA (3 months)$177.00
Prepaid interest, first (31 days)$1,133.45
Fees + prepaids$10,932.95
Your down payment is the seller’s equity. You take over the $255,170 balance, so the rest of the $260,500 price is paid at closing. A second mortgage can cover part of it. $16,262.65 is due at closing. Uses and sources reconcile at $271,432.95 each. Not a Closing Disclosure.