Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$196,055Cash toward the purchase price.
Closing costs + prepaids$9,901Not just lender fees.
Before credits & paid funds$205,956The complete starting cash picture.
Estimated remaining funds due at closing
$205,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,054.78
Your down payment$196,054.78
Closing costs + prepaids$9,901.35
Total buyer cash needed$205,956.13
Remaining funds due$205,956.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$207.50
Initial HOA (3 months)$549.00
Prepaid interest, first (31 days)$229.85
Fees + prepaids$9,901.35
Your down payment is the seller’s equity. You take over the $72,945 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $205,956.13 is due at closing. Uses and sources reconcile at $278,901.35 each. Not a Closing Disclosure.