Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$256,249Cash toward the purchase price.
Closing costs + prepaids$14,048Not just lender fees.
Before credits & paid funds$270,296The complete starting cash picture.
Estimated remaining funds due at closing
$270,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,248.56
Your down payment$256,248.56
Closing costs + prepaids$14,047.89
Total buyer cash needed$270,296.45
Remaining funds due$270,296.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,084.99
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)$1,271.25
Initial HOA (3 months)$525.00
Prepaid interest, first (24 days)$691.65
Fees + prepaids$14,047.89
Your down payment is the seller’s equity. You take over the $252,250 balance, so the rest of the $508,499 price is paid at closing. A second mortgage can cover part of it. $270,296.45 is due at closing. Uses and sources reconcile at $522,546.89 each. Not a Closing Disclosure.