Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$11,425Cash toward the purchase price.
Closing costs + prepaids$10,161Not just lender fees.
Before credits & paid funds$21,586The complete starting cash picture.
Estimated remaining funds due at closing
$21,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,425.01
Your down payment$11,425.01
Closing costs + prepaids$10,160.75
Total buyer cash needed$21,585.76
Remaining funds due$21,585.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$348.00
Initial HOA (3 months)$168.00
Prepaid interest, first (10 days)$519.75
Fees + prepaids$10,160.75
Your down payment is the seller’s equity. You take over the $278,575 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $21,585.76 is due at closing. Uses and sources reconcile at $300,160.75 each. Not a Closing Disclosure.