Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$9,852Cash toward the purchase price.
Closing costs + prepaids$9,835Not just lender fees.
Before credits & paid funds$19,687The complete starting cash picture.
Estimated remaining funds due at closing
$19,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,851.74
Your down payment$9,851.74
Closing costs + prepaids$9,834.87
Total buyer cash needed$19,686.61
Remaining funds due$19,686.61
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)$318.00
Initial HOA (3 months)$187.50
Prepaid interest, first (10 days)$454.37
Fees + prepaids$9,834.87
Your down payment is the seller’s equity. You take over the $255,148 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $19,686.61 is due at closing. Uses and sources reconcile at $274,834.87 each. Not a Closing Disclosure.