Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$268,187Cash toward the purchase price.
Closing costs + prepaids$16,088Not just lender fees.
Before credits & paid funds$284,275The complete starting cash picture.
Estimated remaining funds due at closing
$284,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,186.54
Your down payment$268,186.54
Closing costs + prepaids$16,088.41
Total buyer cash needed$284,274.95
Remaining funds due$284,274.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$893.00
Initial HOA (3 months)$1,560.00
Prepaid interest, first (28 days)$810.41
Fees + prepaids$16,088.41
Your down payment is the seller’s equity. You take over the $366,813 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $284,274.95 is due at closing. Uses and sources reconcile at $651,088.41 each. Not a Closing Disclosure.