Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$10,790Cash toward the purchase price.
Closing costs + prepaids$8,565Not just lender fees.
Before credits & paid funds$19,354The complete starting cash picture.
Estimated remaining funds due at closing
$19,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,789.56
Your down payment$10,789.56
Closing costs + prepaids$8,564.88
Total buyer cash needed$19,354.44
Remaining funds due$19,354.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,500.00
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)$93.75
Initial HOA (3 months)$720.00
Prepaid interest, first (1 days)$26.13
Fees + prepaids$8,564.88
Your down payment is the seller’s equity. You take over the $139,210 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $19,354.44 is due at closing. Uses and sources reconcile at $158,564.88 each. Not a Closing Disclosure.