Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$263,797Cash toward the purchase price.
Closing costs + prepaids$11,233Not just lender fees.
Before credits & paid funds$275,029The complete starting cash picture.
Estimated remaining funds due at closing
$275,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,796.79
Your down payment$263,796.79
Closing costs + prepaids$11,232.69
Total buyer cash needed$275,029.48
Remaining funds due$275,029.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$329.75
Initial HOA (3 months)$213.00
Prepaid interest, first (31 days)$414.94
Fees + prepaids$11,232.69
Your down payment is the seller’s equity. You take over the $141,203 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $275,029.48 is due at closing. Uses and sources reconcile at $416,232.69 each. Not a Closing Disclosure.