Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$16,394Cash toward the purchase price.
Closing costs + prepaids$9,866Not just lender fees.
Before credits & paid funds$26,259The complete starting cash picture.
Estimated remaining funds due at closing
$26,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,393.78
Your down payment$16,393.78
Closing costs + prepaids$9,865.64
Total buyer cash needed$26,259.42
Remaining funds due$26,259.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$322.75
Initial HOA (3 months)$195.00
Prepaid interest, first (9 days)$432.89
Fees + prepaids$9,865.64
Your down payment is the seller’s equity. You take over the $252,606 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $26,259.42 is due at closing. Uses and sources reconcile at $278,865.64 each. Not a Closing Disclosure.