Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$52,549Cash toward the purchase price.
Closing costs + prepaids$10,859Not just lender fees.
Before credits & paid funds$63,408The complete starting cash picture.
Estimated remaining funds due at closing
$63,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,548.85
Your down payment$52,548.85
Closing costs + prepaids$10,859.44
Total buyer cash needed$63,408.29
Remaining funds due$63,408.29
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)$243.00
Initial HOA (3 months)$1,257.00
Prepaid interest, first (28 days)$485.44
Fees + prepaids$10,859.44
Your down payment is the seller’s equity. You take over the $212,351 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $63,408.29 is due at closing. Uses and sources reconcile at $275,759.44 each. Not a Closing Disclosure.