Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$3,079Cash toward the purchase price.
Closing costs + prepaids$11,197Not just lender fees.
Before credits & paid funds$14,276The complete starting cash picture.
Estimated remaining funds due at closing
$14,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,079.21
Your down payment$3,079.21
Closing costs + prepaids$11,196.84
Total buyer cash needed$14,276.05
Remaining funds due$14,276.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,570.00
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)$190.50
Initial HOA (3 months)$900.00
Prepaid interest, first (29 days)$1,311.34
Fees + prepaids$11,196.84
Your down payment is the seller’s equity. You take over the $253,921 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $14,276.05 is due at closing. Uses and sources reconcile at $268,196.84 each. Not a Closing Disclosure.