Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$263,893Cash toward the purchase price.
Closing costs + prepaids$12,541Not just lender fees.
Before credits & paid funds$276,434The complete starting cash picture.
Estimated remaining funds due at closing
$276,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,893.15
Your down payment$263,893.15
Closing costs + prepaids$12,541.27
Total buyer cash needed$276,434.42
Remaining funds due$276,434.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$1,025.00
Initial HOA (3 months)$825.00
Prepaid interest, first (25 days)$366.27
Fees + prepaids$12,541.27
Your down payment is the seller’s equity. You take over the $146,107 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $276,434.42 is due at closing. Uses and sources reconcile at $422,541.27 each. Not a Closing Disclosure.