Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$27,851Cash toward the purchase price.
Closing costs + prepaids$12,174Not just lender fees.
Before credits & paid funds$40,026The complete starting cash picture.
Estimated remaining funds due at closing
$40,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,851.44
Your down payment$27,851.44
Closing costs + prepaids$12,174.38
Total buyer cash needed$40,025.82
Remaining funds due$40,025.82
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)$318.00
Initial HOA (3 months)$2,505.00
Prepaid interest, first (12 days)$476.38
Fees + prepaids$12,174.38
Your down payment is the seller’s equity. You take over the $237,149 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $40,025.82 is due at closing. Uses and sources reconcile at $277,174.38 each. Not a Closing Disclosure.