Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$14,653Cash toward the purchase price.
Closing costs + prepaids$11,825Not just lender fees.
Before credits & paid funds$26,478The complete starting cash picture.
Estimated remaining funds due at closing
$26,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,652.63
Your down payment$14,652.63
Closing costs + prepaids$11,825.14
Total buyer cash needed$26,477.77
Remaining funds due$26,477.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$920.75
Initial HOA (3 months)$558.00
Prepaid interest, first (30 days)$1,422.39
Fees + prepaids$11,825.14
Your down payment is the seller’s equity. You take over the $255,247 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $26,477.77 is due at closing. Uses and sources reconcile at $281,725.14 each. Not a Closing Disclosure.