Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$260,908Cash toward the purchase price.
Closing costs + prepaids$11,213Not just lender fees.
Before credits & paid funds$272,121The complete starting cash picture.
Estimated remaining funds due at closing
$272,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,908.26
Your down payment$260,908.26
Closing costs + prepaids$11,212.69
Total buyer cash needed$272,120.96
Remaining funds due$272,120.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$1,009.25
Initial HOA (3 months)$291.00
Prepaid interest, first (22 days)$238.44
Fees + prepaids$11,212.69
Your down payment is the seller’s equity. You take over the $83,992 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $272,120.96 is due at closing. Uses and sources reconcile at $356,112.69 each. Not a Closing Disclosure.