Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$11,780Cash toward the purchase price.
Closing costs + prepaids$11,953Not just lender fees.
Before credits & paid funds$23,733The complete starting cash picture.
Estimated remaining funds due at closing
$23,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,780.43
Your down payment$11,780.43
Closing costs + prepaids$11,952.55
Total buyer cash needed$23,732.98
Remaining funds due$23,732.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,509.90
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)$729.25
Initial HOA (3 months)$1,050.00
Prepaid interest, first (31 days)$1,438.40
Fees + prepaids$11,952.55
Your down payment is the seller’s equity. You take over the $239,210 balance, so the rest of the $250,990 price is paid at closing. A second mortgage can cover part of it. $23,732.98 is due at closing. Uses and sources reconcile at $262,942.55 each. Not a Closing Disclosure.