Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$11,234Cash toward the purchase price.
Closing costs + prepaids$10,055Not just lender fees.
Before credits & paid funds$21,289The complete starting cash picture.
Estimated remaining funds due at closing
$21,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,233.85
Your down payment$11,233.85
Closing costs + prepaids$10,054.88
Total buyer cash needed$21,288.73
Remaining funds due$21,288.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$33.00
Initial HOA (3 months)$135.00
Prepaid interest, first (21 days)$962.88
Fees + prepaids$10,054.88
Your down payment is the seller’s equity. You take over the $258,666 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $21,288.73 is due at closing. Uses and sources reconcile at $279,954.88 each. Not a Closing Disclosure.