Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$5,428Cash toward the purchase price.
Closing costs + prepaids$10,804Not just lender fees.
Before credits & paid funds$16,232The complete starting cash picture.
Estimated remaining funds due at closing
$16,232No 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$10,803.69
Total buyer cash needed$16,231.83
Remaining funds due$16,231.83
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 (27 days)$1,263.44
Fees + prepaids$10,803.69
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. $16,231.83 is due at closing. Uses and sources reconcile at $275,803.69 each. Not a Closing Disclosure.