Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$16,150Cash toward the purchase price.
Closing costs + prepaids$9,957Not just lender fees.
Before credits & paid funds$26,107The complete starting cash picture.
Estimated remaining funds due at closing
$26,107No 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$9,957.40
Total buyer cash needed$26,107.09
Remaining funds due$26,107.09
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 (30 days)$638.91
Fees + prepaids$9,957.40
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. $26,107.09 is due at closing. Uses and sources reconcile at $274,457.40 each. Not a Closing Disclosure.