Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$250,090Cash toward the purchase price.
Closing costs + prepaids$9,668Not just lender fees.
Before credits & paid funds$259,758The complete starting cash picture.
Estimated remaining funds due at closing
$259,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,089.70
Your down payment$250,089.70
Closing costs + prepaids$9,668.06
Total buyer cash needed$259,757.77
Remaining funds due$259,757.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.99
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)$601.25
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$1.82
Fees + prepaids$9,668.06
Your down payment is the seller’s equity. You take over the $9,909 balance, so the rest of the $259,999 price is paid at closing. A second mortgage can cover part of it. $259,757.77 is due at closing. Uses and sources reconcile at $269,667.06 each. Not a Closing Disclosure.