Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$256,610Cash toward the purchase price.
Closing costs + prepaids$10,966Not just lender fees.
Before credits & paid funds$267,576The complete starting cash picture.
Estimated remaining funds due at closing
$267,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,609.78
Your down payment$256,609.78
Closing costs + prepaids$10,965.73
Total buyer cash needed$267,575.51
Remaining funds due$267,575.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$672.50
Initial HOA (3 months)$1,305.00
Prepaid interest, first (27 days)$73.23
Fees + prepaids$10,965.73
Your down payment is the seller’s equity. You take over the $12,390 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $267,575.51 is due at closing. Uses and sources reconcile at $279,965.73 each. Not a Closing Disclosure.