Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$256,264Cash toward the purchase price.
Closing costs + prepaids$14,817Not just lender fees.
Before credits & paid funds$271,081The complete starting cash picture.
Estimated remaining funds due at closing
$271,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,264.46
Your down payment$256,264.46
Closing costs + prepaids$14,816.98
Total buyer cash needed$271,081.45
Remaining funds due$271,081.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,589.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$246.00
Prepaid interest, first (26 days)$1,506.08
Fees + prepaids$14,816.98
Your down payment is the seller’s equity. You take over the $402,726 balance, so the rest of the $658,990 price is paid at closing. A second mortgage can cover part of it. $271,081.45 is due at closing. Uses and sources reconcile at $673,806.98 each. Not a Closing Disclosure.