Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$10,927Cash toward the purchase price.
Closing costs + prepaids$9,087Not just lender fees.
Before credits & paid funds$20,014The complete starting cash picture.
Estimated remaining funds due at closing
$20,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,927.28
Your down payment$10,927.28
Closing costs + prepaids$9,086.85
Total buyer cash needed$20,014.13
Remaining funds due$20,014.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,500.00
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)$93.75
Initial HOA (3 months)$720.00
Prepaid interest, first (21 days)$548.10
Fees + prepaids$9,086.85
Your down payment is the seller’s equity. You take over the $139,073 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $20,014.13 is due at closing. Uses and sources reconcile at $159,086.85 each. Not a Closing Disclosure.