Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$21,267Cash toward the purchase price.
Closing costs + prepaids$10,253Not just lender fees.
Before credits & paid funds$31,519The complete starting cash picture.
Estimated remaining funds due at closing
$31,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,266.59
Your down payment$21,266.59
Closing costs + prepaids$10,252.61
Total buyer cash needed$31,519.20
Remaining funds due$31,519.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$1,250.75
Initial HOA (3 months)$52.74
Prepaid interest, first (2 days)$74.12
Fees + prepaids$10,252.61
Your down payment is the seller’s equity. You take over the $243,733 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $31,519.20 is due at closing. Uses and sources reconcile at $275,252.61 each. Not a Closing Disclosure.