Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$404Cash toward the purchase price.
Closing costs + prepaids$11,028Not just lender fees.
Before credits & paid funds$11,433The complete starting cash picture.
Estimated remaining funds due at closing
$11,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$404.42
Your down payment$404.42
Closing costs + prepaids$11,028.19
Total buyer cash needed$11,432.61
Remaining funds due$11,432.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,787.00
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)$334.50
Initial HOA (3 months)$1,275.00
Prepaid interest, first (7 days)$406.69
Fees + prepaids$11,028.19
Your down payment is the seller’s equity. You take over the $278,296 balance, so the rest of the $278,700 price is paid at closing. A second mortgage can cover part of it. $11,432.61 is due at closing. Uses and sources reconcile at $289,728.19 each. Not a Closing Disclosure.