Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$253,299Cash toward the purchase price.
Closing costs + prepaids$11,459Not just lender fees.
Before credits & paid funds$264,758The complete starting cash picture.
Estimated remaining funds due at closing
$264,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,299.23
Your down payment$253,299.23
Closing costs + prepaids$11,458.82
Total buyer cash needed$264,758.05
Remaining funds due$264,758.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$893.75
Initial HOA (3 months)$1,260.00
Prepaid interest, first (23 days)$131.07
Fees + prepaids$11,458.82
Your down payment is the seller’s equity. You take over the $41,601 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $264,758.05 is due at closing. Uses and sources reconcile at $306,358.82 each. Not a Closing Disclosure.