Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$2,463Cash toward the purchase price.
Closing costs + prepaids$9,567Not just lender fees.
Before credits & paid funds$12,030The complete starting cash picture.
Estimated remaining funds due at closing
$12,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,462.76
Your down payment$2,462.76
Closing costs + prepaids$9,567.28
Total buyer cash needed$12,030.04
Remaining funds due$12,030.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$72.00
Prepaid interest, first (18 days)$770.28
Fees + prepaids$9,567.28
Your down payment is the seller’s equity. You take over the $247,537 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $12,030.04 is due at closing. Uses and sources reconcile at $259,567.28 each. Not a Closing Disclosure.