Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$6,551Cash toward the purchase price.
Closing costs + prepaids$10,636Not just lender fees.
Before credits & paid funds$17,186The complete starting cash picture.
Estimated remaining funds due at closing
$17,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,550.50
Your down payment$6,550.50
Closing costs + prepaids$10,635.92
Total buyer cash needed$17,186.42
Remaining funds due$17,186.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$282.00
Initial HOA (3 months)$1,308.00
Prepaid interest, first (12 days)$470.92
Fees + prepaids$10,635.92
Your down payment is the seller’s equity. You take over the $228,449 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $17,186.42 is due at closing. Uses and sources reconcile at $245,635.92 each. Not a Closing Disclosure.