Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$6,011Cash toward the purchase price.
Closing costs + prepaids$11,044Not just lender fees.
Before credits & paid funds$17,056The complete starting cash picture.
Estimated remaining funds due at closing
$17,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,011.42
Your down payment$6,011.42
Closing costs + prepaids$11,044.15
Total buyer cash needed$17,055.57
Remaining funds due$17,055.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$175.25
Initial HOA (3 months)$765.00
Prepaid interest, first (31 days)$1,388.90
Fees + prepaids$11,044.15
Your down payment is the seller’s equity. You take over the $242,989 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $17,055.57 is due at closing. Uses and sources reconcile at $260,044.15 each. Not a Closing Disclosure.