Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$263,591Cash toward the purchase price.
Closing costs + prepaids$11,300Not just lender fees.
Before credits & paid funds$274,890The complete starting cash picture.
Estimated remaining funds due at closing
$274,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,590.65
Your down payment$263,590.65
Closing costs + prepaids$11,299.84
Total buyer cash needed$274,890.49
Remaining funds due$274,890.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,120.00
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)$402.25
Initial HOA (3 months)$90.00
Prepaid interest, first (31 days)$462.59
Fees + prepaids$11,299.84
Your down payment is the seller’s equity. You take over the $148,409 balance, so the rest of the $412,000 price is paid at closing. A second mortgage can cover part of it. $274,890.49 is due at closing. Uses and sources reconcile at $423,299.84 each. Not a Closing Disclosure.