Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$251,707Cash toward the purchase price.
Closing costs + prepaids$9,619Not just lender fees.
Before credits & paid funds$261,326The complete starting cash picture.
Estimated remaining funds due at closing
$261,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,706.86
Your down payment$251,706.86
Closing costs + prepaids$9,619.08
Total buyer cash needed$261,325.94
Remaining funds due$261,325.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.00
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)$342.00
Prepaid interest, first (31 days)$68.58
Fees + prepaids$9,619.08
Your down payment is the seller’s equity. You take over the $13,193 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $261,325.94 is due at closing. Uses and sources reconcile at $274,519.08 each. Not a Closing Disclosure.