Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$6,413Cash toward the purchase price.
Closing costs + prepaids$9,395Not just lender fees.
Before credits & paid funds$15,808The complete starting cash picture.
Estimated remaining funds due at closing
$15,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,413.34
Your down payment$6,413.34
Closing costs + prepaids$9,394.94
Total buyer cash needed$15,808.28
Remaining funds due$15,808.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,530.00
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)$303.50
Prepaid interest, first (10 days)$336.44
Fees + prepaids$9,394.94
Your down payment is the seller’s equity. You take over the $246,587 balance, so the rest of the $253,000 price is paid at closing. A second mortgage can cover part of it. $15,808.28 is due at closing. Uses and sources reconcile at $262,394.94 each. Not a Closing Disclosure.