Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$18,494Cash toward the purchase price.
Closing costs + prepaids$10,926Not just lender fees.
Before credits & paid funds$29,420The complete starting cash picture.
Estimated remaining funds due at closing
$29,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,494.04
Your down payment$18,494.04
Closing costs + prepaids$10,926.09
Total buyer cash needed$29,420.13
Remaining funds due$29,420.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$998.50
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$947.59
Fees + prepaids$10,926.09
Your down payment is the seller’s equity. You take over the $231,506 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $29,420.13 is due at closing. Uses and sources reconcile at $260,926.09 each. Not a Closing Disclosure.