Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$2,993Cash toward the purchase price.
Closing costs + prepaids$10,014Not just lender fees.
Before credits & paid funds$13,006The complete starting cash picture.
Estimated remaining funds due at closing
$13,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,992.50
Your down payment$2,992.50
Closing costs + prepaids$10,013.88
Total buyer cash needed$13,006.38
Remaining funds due$13,006.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.00
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 (20 days)$898.38
Fees + prepaids$10,013.88
Your down payment is the seller’s equity. You take over the $261,907 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $13,006.38 is due at closing. Uses and sources reconcile at $274,913.88 each. Not a Closing Disclosure.