Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$8,177Cash toward the purchase price.
Closing costs + prepaids$9,835Not just lender fees.
Before credits & paid funds$18,012The complete starting cash picture.
Estimated remaining funds due at closing
$18,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,176.95
Your down payment$8,176.95
Closing costs + prepaids$9,834.92
Total buyer cash needed$18,011.87
Remaining funds due$18,011.87
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
Property tax escrow (3 months)$312.50
Prepaid interest, first (17 days)$797.42
Fees + prepaids$9,834.92
Your down payment is the seller’s equity. You take over the $241,823 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $18,011.87 is due at closing. Uses and sources reconcile at $259,834.92 each. Not a Closing Disclosure.