Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$5,413Cash toward the purchase price.
Closing costs + prepaids$9,990Not just lender fees.
Before credits & paid funds$15,403The complete starting cash picture.
Estimated remaining funds due at closing
$15,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,413.34
Your down payment$5,413.34
Closing costs + prepaids$9,989.74
Total buyer cash needed$15,403.08
Remaining funds due$15,403.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,520.00
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)$370.00
Prepaid interest, first (26 days)$874.74
Fees + prepaids$9,989.74
Your down payment is the seller’s equity. You take over the $246,587 balance, so the rest of the $252,000 price is paid at closing. A second mortgage can cover part of it. $15,403.08 is due at closing. Uses and sources reconcile at $261,989.74 each. Not a Closing Disclosure.