Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$256,528Cash toward the purchase price.
Closing costs + prepaids$9,883Not just lender fees.
Before credits & paid funds$266,411The complete starting cash picture.
Estimated remaining funds due at closing
$266,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,528.48
Your down payment$256,528.48
Closing costs + prepaids$9,882.85
Total buyer cash needed$266,411.34
Remaining funds due$266,411.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$233.50
Initial HOA (3 months)$408.00
Prepaid interest, first (26 days)$116.35
Fees + prepaids$9,882.85
Your down payment is the seller’s equity. You take over the $33,472 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $266,411.34 is due at closing. Uses and sources reconcile at $299,882.85 each. Not a Closing Disclosure.