Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$268,699Cash toward the purchase price.
Closing costs + prepaids$9,842Not just lender fees.
Before credits & paid funds$278,542The complete starting cash picture.
Estimated remaining funds due at closing
$278,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,699.15
Your down payment$268,699.15
Closing costs + prepaids$9,842.46
Total buyer cash needed$278,541.61
Remaining funds due$278,541.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.99
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)$332.25
Initial HOA (3 months)$366.00
Prepaid interest, first (31 days)$69.22
Fees + prepaids$9,842.46
Your down payment is the seller’s equity. You take over the $16,300 balance, so the rest of the $284,999 price is paid at closing. A second mortgage can cover part of it. $278,541.61 is due at closing. Uses and sources reconcile at $294,841.46 each. Not a Closing Disclosure.