Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$253,855Cash toward the purchase price.
Closing costs + prepaids$10,123Not just lender fees.
Before credits & paid funds$263,978The complete starting cash picture.
Estimated remaining funds due at closing
$263,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,854.79
Your down payment$253,854.79
Closing costs + prepaids$10,122.86
Total buyer cash needed$263,977.65
Remaining funds due$263,977.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$500.75
Initial HOA (3 months)$780.00
Prepaid interest, first (27 days)$18.11
Fees + prepaids$10,122.86
Your down payment is the seller’s equity. You take over the $6,045 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $263,977.65 is due at closing. Uses and sources reconcile at $270,022.86 each. Not a Closing Disclosure.