Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$257,366Cash toward the purchase price.
Closing costs + prepaids$10,838Not just lender fees.
Before credits & paid funds$268,204The complete starting cash picture.
Estimated remaining funds due at closing
$268,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,366.28
Your down payment$257,366.28
Closing costs + prepaids$10,837.88
Total buyer cash needed$268,204.16
Remaining funds due$268,204.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,989.95
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)$667.00
Initial HOA (3 months)$762.00
Prepaid interest, first (26 days)$193.93
Fees + prepaids$10,837.88
Your down payment is the seller’s equity. You take over the $41,629 balance, so the rest of the $298,995 price is paid at closing. A second mortgage can cover part of it. $268,204.16 is due at closing. Uses and sources reconcile at $309,832.88 each. Not a Closing Disclosure.