Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$18,849Cash toward the purchase price.
Closing costs + prepaids$10,375Not just lender fees.
Before credits & paid funds$29,224The complete starting cash picture.
Estimated remaining funds due at closing
$29,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,849.15
Your down payment$18,849.15
Closing costs + prepaids$10,374.67
Total buyer cash needed$29,223.81
Remaining funds due$29,223.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,570.00
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)$350.50
Initial HOA (3 months)$474.00
Prepaid interest, first (18 days)$755.17
Fees + prepaids$10,374.67
Your down payment is the seller’s equity. You take over the $238,151 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $29,223.81 is due at closing. Uses and sources reconcile at $267,374.67 each. Not a Closing Disclosure.