Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$260,875Cash toward the purchase price.
Closing costs + prepaids$10,222Not just lender fees.
Before credits & paid funds$271,097The complete starting cash picture.
Estimated remaining funds due at closing
$271,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,874.78
Your down payment$260,874.78
Closing costs + prepaids$10,221.82
Total buyer cash needed$271,096.60
Remaining funds due$271,096.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$291.25
Initial HOA (3 months)$915.00
Prepaid interest, first (31 days)$41.57
Fees + prepaids$10,221.82
Your down payment is the seller’s equity. You take over the $14,025 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $271,096.60 is due at closing. Uses and sources reconcile at $285,121.82 each. Not a Closing Disclosure.