Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$261,737Cash toward the purchase price.
Closing costs + prepaids$10,350Not just lender fees.
Before credits & paid funds$272,087The complete starting cash picture.
Estimated remaining funds due at closing
$272,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,736.75
Your down payment$261,736.75
Closing costs + prepaids$10,349.76
Total buyer cash needed$272,086.52
Remaining funds due$272,086.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,160.00
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)$263.25
Initial HOA (3 months)$522.00
Prepaid interest, first (23 days)$179.51
Fees + prepaids$10,349.76
Your down payment is the seller’s equity. You take over the $54,263 balance, so the rest of the $316,000 price is paid at closing. A second mortgage can cover part of it. $272,086.52 is due at closing. Uses and sources reconcile at $326,349.76 each. Not a Closing Disclosure.