Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$267,877Cash toward the purchase price.
Closing costs + prepaids$22,137Not just lender fees.
Before credits & paid funds$290,014The complete starting cash picture.
Estimated remaining funds due at closing
$290,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,877.04
Your down payment$267,877.04
Closing costs + prepaids$22,136.79
Total buyer cash needed$290,013.83
Remaining funds due$290,013.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,590.00
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)$2,397.50
Initial HOA (3 months)$1,365.00
Prepaid interest, first (27 days)$1,559.29
Fees + prepaids$22,136.79
Your down payment is the seller’s equity. You take over the $691,123 balance, so the rest of the $959,000 price is paid at closing. A second mortgage can cover part of it. $290,013.83 is due at closing. Uses and sources reconcile at $981,136.79 each. Not a Closing Disclosure.