Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$247,765Cash toward the purchase price.
Closing costs + prepaids$9,843Not just lender fees.
Before credits & paid funds$257,608The complete starting cash picture.
Estimated remaining funds due at closing
$257,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,764.85
Your down payment$247,764.85
Closing costs + prepaids$9,842.68
Total buyer cash needed$257,607.53
Remaining funds due$257,607.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,530.00
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)$570.50
Initial HOA (3 months)$507.00
Prepaid interest, first (26 days)$10.18
Fees + prepaids$9,842.68
Your down payment is the seller’s equity. You take over the $5,235 balance, so the rest of the $253,000 price is paid at closing. A second mortgage can cover part of it. $257,607.53 is due at closing. Uses and sources reconcile at $262,842.68 each. Not a Closing Disclosure.