Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$248,994Cash toward the purchase price.
Closing costs + prepaids$18,625Not just lender fees.
Before credits & paid funds$267,619The complete starting cash picture.
Estimated remaining funds due at closing
$267,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,993.63
Your down payment$248,993.63
Closing costs + prepaids$18,625.31
Total buyer cash needed$267,618.94
Remaining funds due$267,618.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,599.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$953.25
Initial HOA (3 months)$273.00
Prepaid interest, first (27 days)$2,574.16
Fees + prepaids$18,625.31
Your down payment is the seller’s equity. You take over the $510,996 balance, so the rest of the $759,990 price is paid at closing. A second mortgage can cover part of it. $267,618.94 is due at closing. Uses and sources reconcile at $778,615.31 each. Not a Closing Disclosure.