Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$256,437Cash toward the purchase price.
Closing costs + prepaids$10,069Not just lender fees.
Before credits & paid funds$266,506The complete starting cash picture.
Estimated remaining funds due at closing
$266,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,436.51
Your down payment$256,436.51
Closing costs + prepaids$10,069.04
Total buyer cash needed$266,505.55
Remaining funds due$266,505.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,909.99
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)$554.50
Initial HOA (3 months)$275.01
Prepaid interest, first (24 days)$104.54
Fees + prepaids$10,069.04
Your down payment is the seller’s equity. You take over the $34,562 balance, so the rest of the $290,999 price is paid at closing. A second mortgage can cover part of it. $266,505.55 is due at closing. Uses and sources reconcile at $301,068.04 each. Not a Closing Disclosure.