Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$3,093Cash toward the purchase price.
Closing costs + prepaids$9,970Not just lender fees.
Before credits & paid funds$13,062The complete starting cash picture.
Estimated remaining funds due at closing
$13,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,092.50
Your down payment$3,092.50
Closing costs + prepaids$9,969.96
Total buyer cash needed$13,062.46
Remaining funds due$13,062.46
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)$4.50
Initial HOA (3 months)$237.00
Prepaid interest, first (19 days)$853.46
Fees + prepaids$9,969.96
Your down payment is the seller’s equity. You take over the $261,907 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $13,062.46 is due at closing. Uses and sources reconcile at $274,969.96 each. Not a Closing Disclosure.