Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$264,648Cash toward the purchase price.
Closing costs + prepaids$9,775Not just lender fees.
Before credits & paid funds$274,424The complete starting cash picture.
Estimated remaining funds due at closing
$274,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,648.46
Your down payment$264,648.46
Closing costs + prepaids$9,775.34
Total buyer cash needed$274,423.79
Remaining funds due$274,423.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,700.00
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)$188.25
Initial HOA (3 months)$633.00
Prepaid interest, first (26 days)$29.09
Fees + prepaids$9,775.34
Your down payment is the seller’s equity. You take over the $5,352 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $274,423.79 is due at closing. Uses and sources reconcile at $279,775.34 each. Not a Closing Disclosure.