Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$244,703Cash toward the purchase price.
Closing costs + prepaids$9,704Not just lender fees.
Before credits & paid funds$254,407The complete starting cash picture.
Estimated remaining funds due at closing
$254,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,702.83
Your down payment$244,702.83
Closing costs + prepaids$9,703.68
Total buyer cash needed$254,406.51
Remaining funds due$254,406.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,600.00
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)$763.25
Initial HOA (3 months)$41.25
Prepaid interest, first (25 days)$74.18
Fees + prepaids$9,703.68
Your down payment is the seller’s equity. You take over the $15,297 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $254,406.51 is due at closing. Uses and sources reconcile at $269,703.68 each. Not a Closing Disclosure.