Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$250,759Cash toward the purchase price.
Closing costs + prepaids$9,978Not just lender fees.
Before credits & paid funds$260,737The complete starting cash picture.
Estimated remaining funds due at closing
$260,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,758.91
Your down payment$250,758.91
Closing costs + prepaids$9,977.88
Total buyer cash needed$260,736.79
Remaining funds due$260,736.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$122.50
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$221.38
Fees + prepaids$9,977.88
Your down payment is the seller’s equity. You take over the $69,141 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $260,736.79 is due at closing. Uses and sources reconcile at $329,877.88 each. Not a Closing Disclosure.