Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$5,114Cash toward the purchase price.
Closing costs + prepaids$9,587Not just lender fees.
Before credits & paid funds$14,701The complete starting cash picture.
Estimated remaining funds due at closing
$14,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,114.10
Your down payment$5,114.10
Closing costs + prepaids$9,587.10
Total buyer cash needed$14,701.20
Remaining funds due$14,701.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$425.25
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$46.85
Fees + prepaids$9,587.10
Your down payment is the seller’s equity. You take over the $259,886 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $14,701.20 is due at closing. Uses and sources reconcile at $274,587.10 each. Not a Closing Disclosure.