Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$258,978Cash toward the purchase price.
Closing costs + prepaids$11,298Not just lender fees.
Before credits & paid funds$270,276The complete starting cash picture.
Estimated remaining funds due at closing
$270,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,977.95
Your down payment$258,977.95
Closing costs + prepaids$11,297.90
Total buyer cash needed$270,275.85
Remaining funds due$270,275.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.99
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)$1,178.00
Initial HOA (3 months)$996.00
Prepaid interest, first (25 days)$98.91
Fees + prepaids$11,297.90
Your down payment is the seller’s equity. You take over the $21,021 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $270,275.85 is due at closing. Uses and sources reconcile at $291,296.90 each. Not a Closing Disclosure.