Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$256,280Cash toward the purchase price.
Closing costs + prepaids$18,099Not just lender fees.
Before credits & paid funds$274,379The complete starting cash picture.
Estimated remaining funds due at closing
$274,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,279.81
Your down payment$256,279.81
Closing costs + prepaids$18,098.99
Total buyer cash needed$274,378.79
Remaining funds due$274,378.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,749.73
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)$1,657.00
Initial HOA (3 months)$297.00
Prepaid interest, first (27 days)$1,170.26
Fees + prepaids$18,098.99
Your down payment is the seller’s equity. You take over the $518,693 balance, so the rest of the $774,973 price is paid at closing. A second mortgage can cover part of it. $274,378.79 is due at closing. Uses and sources reconcile at $793,071.99 each. Not a Closing Disclosure.