Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$269,541Cash toward the purchase price.
Closing costs + prepaids$15,793Not just lender fees.
Before credits & paid funds$285,333The complete starting cash picture.
Estimated remaining funds due at closing
$285,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,540.52
Your down payment$269,540.52
Closing costs + prepaids$15,792.56
Total buyer cash needed$285,333.08
Remaining funds due$285,333.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,349.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,587.50
Initial HOA (3 months)$525.00
Prepaid interest, first (28 days)$855.07
Fees + prepaids$15,792.56
Your down payment is the seller’s equity. You take over the $365,458 balance, so the rest of the $634,999 price is paid at closing. A second mortgage can cover part of it. $285,333.08 is due at closing. Uses and sources reconcile at $650,791.56 each. Not a Closing Disclosure.