Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$257,975Cash toward the purchase price.
Closing costs + prepaids$11,291Not just lender fees.
Before credits & paid funds$269,266The complete starting cash picture.
Estimated remaining funds due at closing
$269,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,975.16
Your down payment$257,975.16
Closing costs + prepaids$11,290.62
Total buyer cash needed$269,265.78
Remaining funds due$269,265.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$1,979.50
Initial HOA (3 months)$260.01
Prepaid interest, first (23 days)$77.11
Fees + prepaids$11,290.62
Your down payment is the seller’s equity. You take over the $16,925 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $269,265.78 is due at closing. Uses and sources reconcile at $286,190.62 each. Not a Closing Disclosure.