Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$4,854Cash toward the purchase price.
Closing costs + prepaids$10,278Not just lender fees.
Before credits & paid funds$15,132The complete starting cash picture.
Estimated remaining funds due at closing
$15,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,853.98
Your down payment$4,853.98
Closing costs + prepaids$10,277.83
Total buyer cash needed$15,131.81
Remaining funds due$15,131.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$261.00
Initial HOA (3 months)$174.00
Prepaid interest, first (31 days)$1,318.83
Fees + prepaids$10,277.83
Your down payment is the seller’s equity. You take over the $225,046 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $15,131.81 is due at closing. Uses and sources reconcile at $240,177.83 each. Not a Closing Disclosure.