Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$265,863Cash toward the purchase price.
Closing costs + prepaids$9,639Not just lender fees.
Before credits & paid funds$275,502The complete starting cash picture.
Estimated remaining funds due at closing
$275,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,862.94
Your down payment$265,862.94
Closing costs + prepaids$9,639.35
Total buyer cash needed$275,502.29
Remaining funds due$275,502.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,715.00
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)$434.50
Initial HOA (3 months)$264.00
Prepaid interest, first (1 days)$0.85
Fees + prepaids$9,639.35
Your down payment is the seller’s equity. You take over the $5,637 balance, so the rest of the $271,500 price is paid at closing. A second mortgage can cover part of it. $275,502.29 is due at closing. Uses and sources reconcile at $281,139.35 each. Not a Closing Disclosure.