Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$248,407Cash toward the purchase price.
Closing costs + prepaids$16,147Not just lender fees.
Before credits & paid funds$264,553The complete starting cash picture.
Estimated remaining funds due at closing
$264,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,406.54
Your down payment$248,406.54
Closing costs + prepaids$16,146.60
Total buyer cash needed$264,553.14
Remaining funds due$264,553.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,599.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$953.25
Initial HOA (3 months)$273.00
Prepaid interest, first (1 days)$95.45
Fees + prepaids$16,146.60
Your down payment is the seller’s equity. You take over the $511,583 balance, so the rest of the $759,990 price is paid at closing. A second mortgage can cover part of it. $264,553.14 is due at closing. Uses and sources reconcile at $776,136.60 each. Not a Closing Disclosure.