Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$262,035Cash toward the purchase price.
Closing costs + prepaids$25,808Not just lender fees.
Before credits & paid funds$287,843The complete starting cash picture.
Estimated remaining funds due at closing
$287,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,035.24
Your down payment$262,035.24
Closing costs + prepaids$25,807.95
Total buyer cash needed$287,843.19
Remaining funds due$287,843.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,490.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,872.50
Initial HOA (3 months)$120.00
Prepaid interest, first (26 days)$4,100.45
Fees + prepaids$25,807.95
Your down payment is the seller’s equity. You take over the $886,965 balance, so the rest of the $1,149,000 price is paid at closing. A second mortgage can cover part of it. $287,843.19 is due at closing. Uses and sources reconcile at $1,174,807.95 each. Not a Closing Disclosure.