Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$253,722Cash toward the purchase price.
Closing costs + prepaids$15,175Not just lender fees.
Before credits & paid funds$268,897The complete starting cash picture.
Estimated remaining funds due at closing
$268,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,722.11
Your down payment$253,722.11
Closing costs + prepaids$15,174.84
Total buyer cash needed$268,896.95
Remaining funds due$268,896.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,525.00
Initial HOA (3 months)$480.00
Prepaid interest, first (22 days)$594.84
Fees + prepaids$15,174.84
Your down payment is the seller’s equity. You take over the $356,278 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $268,896.95 is due at closing. Uses and sources reconcile at $625,174.84 each. Not a Closing Disclosure.