Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$11,425Cash toward the purchase price.
Closing costs + prepaids$10,811Not just lender fees.
Before credits & paid funds$22,236The complete starting cash picture.
Estimated remaining funds due at closing
$22,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,425.01
Your down payment$11,425.01
Closing costs + prepaids$10,811.03
Total buyer cash needed$22,236.03
Remaining funds due$22,236.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$530.50
Initial HOA (3 months)$168.00
Prepaid interest, first (19 days)$987.53
Fees + prepaids$10,811.03
Your down payment is the seller’s equity. You take over the $278,575 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $22,236.03 is due at closing. Uses and sources reconcile at $300,811.03 each. Not a Closing Disclosure.