Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$9,852Cash toward the purchase price.
Closing costs + prepaids$10,586Not just lender fees.
Before credits & paid funds$20,438The complete starting cash picture.
Estimated remaining funds due at closing
$20,438No 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$10,585.81
Total buyer cash needed$20,437.55
Remaining funds due$20,437.55
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)$114.75
Initial HOA (3 months)$187.50
Prepaid interest, first (31 days)$1,408.56
Fees + prepaids$10,585.81
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. $20,437.55 is due at closing. Uses and sources reconcile at $275,585.81 each. Not a Closing Disclosure.