Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$274,437Cash toward the purchase price.
Closing costs + prepaids$11,635Not just lender fees.
Before credits & paid funds$286,072The complete starting cash picture.
Estimated remaining funds due at closing
$286,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,437.08
Your down payment$274,437.08
Closing costs + prepaids$11,635.30
Total buyer cash needed$286,072.38
Remaining funds due$286,072.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.99
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)$694.50
Initial HOA (3 months)$150.00
Prepaid interest, first (22 days)$315.81
Fees + prepaids$11,635.30
Your down payment is the seller’s equity. You take over the $150,562 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $286,072.38 is due at closing. Uses and sources reconcile at $436,634.30 each. Not a Closing Disclosure.