Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$2,727Cash toward the purchase price.
Closing costs + prepaids$9,160Not just lender fees.
Before credits & paid funds$11,887The complete starting cash picture.
Estimated remaining funds due at closing
$11,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,726.75
Your down payment$2,726.75
Closing costs + prepaids$9,160.46
Total buyer cash needed$11,887.22
Remaining funds due$11,887.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.00
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)$4.50
Initial HOA (3 months)$237.00
Prepaid interest, first (1 days)$44.96
Fees + prepaids$9,160.46
Your down payment is the seller’s equity. You take over the $262,173 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $11,887.22 is due at closing. Uses and sources reconcile at $274,060.46 each. Not a Closing Disclosure.