Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$16,150Cash toward the purchase price.
Closing costs + prepaids$9,702Not just lender fees.
Before credits & paid funds$25,852The complete starting cash picture.
Estimated remaining funds due at closing
$25,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,149.69
Your down payment$16,149.69
Closing costs + prepaids$9,701.83
Total buyer cash needed$25,851.53
Remaining funds due$25,851.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,645.00
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)$189.50
Initial HOA (3 months)$258.99
Prepaid interest, first (18 days)$383.34
Fees + prepaids$9,701.83
Your down payment is the seller’s equity. You take over the $248,350 balance, so the rest of the $264,500 price is paid at closing. A second mortgage can cover part of it. $25,851.53 is due at closing. Uses and sources reconcile at $274,201.83 each. Not a Closing Disclosure.