Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$258,690Cash toward the purchase price.
Closing costs + prepaids$10,269Not just lender fees.
Before credits & paid funds$268,960The complete starting cash picture.
Estimated remaining funds due at closing
$268,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,690.46
Your down payment$258,690.46
Closing costs + prepaids$10,269.30
Total buyer cash needed$268,959.76
Remaining funds due$268,959.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.00
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)$371.00
Initial HOA (3 months)$69.99
Prepaid interest, first (28 days)$254.31
Fees + prepaids$10,269.30
Your down payment is the seller’s equity. You take over the $76,210 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $268,959.76 is due at closing. Uses and sources reconcile at $345,169.30 each. Not a Closing Disclosure.