Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$2,614Cash toward the purchase price.
Closing costs + prepaids$10,784Not just lender fees.
Before credits & paid funds$13,398The complete starting cash picture.
Estimated remaining funds due at closing
$13,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,613.97
Your down payment$2,613.97
Closing costs + prepaids$10,783.63
Total buyer cash needed$13,397.60
Remaining funds due$13,397.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,400.00
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)$894.50
Prepaid interest, first (31 days)$1,264.13
Fees + prepaids$10,783.63
Your down payment is the seller’s equity. You take over the $237,386 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $13,397.60 is due at closing. Uses and sources reconcile at $250,783.63 each. Not a Closing Disclosure.