Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$16,083Cash toward the purchase price.
Closing costs + prepaids$10,677Not just lender fees.
Before credits & paid funds$26,760The complete starting cash picture.
Estimated remaining funds due at closing
$26,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,082.57
Your down payment$16,082.57
Closing costs + prepaids$10,677.08
Total buyer cash needed$26,759.65
Remaining funds due$26,759.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$187.75
Initial HOA (3 months)$888.00
Prepaid interest, first (31 days)$1,026.33
Fees + prepaids$10,677.08
Your down payment is the seller’s equity. You take over the $218,917 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $26,759.65 is due at closing. Uses and sources reconcile at $245,677.08 each. Not a Closing Disclosure.