Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$12,981Cash toward the purchase price.
Closing costs + prepaids$10,514Not just lender fees.
Before credits & paid funds$23,494The complete starting cash picture.
Estimated remaining funds due at closing
$23,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,980.81
Your down payment$12,980.81
Closing costs + prepaids$10,513.65
Total buyer cash needed$23,494.46
Remaining funds due$23,494.46
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)$108.75
Initial HOA (3 months)$594.00
Prepaid interest, first (20 days)$886.90
Fees + prepaids$10,513.65
Your down payment is the seller’s equity. You take over the $256,919 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $23,494.46 is due at closing. Uses and sources reconcile at $280,413.65 each. Not a Closing Disclosure.