Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$225Cash toward the purchase price.
Closing costs + prepaids$9,391Not just lender fees.
Before credits & paid funds$9,615The complete starting cash picture.
Estimated remaining funds due at closing
$9,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224.64
Your down payment$224.64
Closing costs + prepaids$9,390.78
Total buyer cash needed$9,615.41
Remaining funds due$9,615.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,500.00
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)$115.75
Initial HOA (3 months)$900.00
Prepaid interest, first (31 days)$650.03
Fees + prepaids$9,390.78
Your down payment is the seller’s equity. You take over the $149,775 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $9,615.41 is due at closing. Uses and sources reconcile at $159,390.78 each. Not a Closing Disclosure.