Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$12,547Cash toward the purchase price.
Closing costs + prepaids$9,581Not just lender fees.
Before credits & paid funds$22,128The complete starting cash picture.
Estimated remaining funds due at closing
$22,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,547.10
Your down payment$12,547.10
Closing costs + prepaids$9,580.92
Total buyer cash needed$22,128.02
Remaining funds due$22,128.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,860.00
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)$282.75
Initial HOA (3 months)$165.00
Prepaid interest, first (1 days)$48.17
Fees + prepaids$9,580.92
Your down payment is the seller’s equity. You take over the $273,453 balance, so the rest of the $286,000 price is paid at closing. A second mortgage can cover part of it. $22,128.02 is due at closing. Uses and sources reconcile at $295,580.92 each. Not a Closing Disclosure.