Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$4,530Cash toward the purchase price.
Closing costs + prepaids$9,767Not just lender fees.
Before credits & paid funds$14,297The complete starting cash picture.
Estimated remaining funds due at closing
$14,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,530.45
Your down payment$4,530.45
Closing costs + prepaids$9,766.96
Total buyer cash needed$14,297.41
Remaining funds due$14,297.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,495.00
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)$312.00
Initial HOA (3 months)$31.26
Prepaid interest, first (15 days)$703.70
Fees + prepaids$9,766.96
Your down payment is the seller’s equity. You take over the $244,970 balance, so the rest of the $249,500 price is paid at closing. A second mortgage can cover part of it. $14,297.41 is due at closing. Uses and sources reconcile at $259,266.96 each. Not a Closing Disclosure.