Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$5,428Cash toward the purchase price.
Closing costs + prepaids$10,476Not just lender fees.
Before credits & paid funds$15,904The complete starting cash picture.
Estimated remaining funds due at closing
$15,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,428.14
Your down payment$5,428.14
Closing costs + prepaids$10,476.13
Total buyer cash needed$15,904.27
Remaining funds due$15,904.27
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)$425.25
Initial HOA (3 months)$240.00
Prepaid interest, first (20 days)$935.88
Fees + prepaids$10,476.13
Your down payment is the seller’s equity. You take over the $259,572 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $15,904.27 is due at closing. Uses and sources reconcile at $275,476.13 each. Not a Closing Disclosure.