Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$260,125Cash toward the purchase price.
Closing costs + prepaids$14,433Not just lender fees.
Before credits & paid funds$274,559The complete starting cash picture.
Estimated remaining funds due at closing
$274,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,125.31
Your down payment$260,125.31
Closing costs + prepaids$14,433.49
Total buyer cash needed$274,558.79
Remaining funds due$274,558.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.88
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)$1,232.00
Initial HOA (3 months)$330.00
Prepaid interest, first (23 days)$596.61
Fees + prepaids$14,433.49
Your down payment is the seller’s equity. You take over the $319,863 balance, so the rest of the $579,988 price is paid at closing. A second mortgage can cover part of it. $274,558.79 is due at closing. Uses and sources reconcile at $594,421.49 each. Not a Closing Disclosure.