Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$268,699Cash toward the purchase price.
Closing costs + prepaids$9,834Not just lender fees.
Before credits & paid funds$278,533The complete starting cash picture.
Estimated remaining funds due at closing
$278,533No 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$9,833.53
Total buyer cash needed$278,532.68
Remaining funds due$278,532.68
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 (27 days)$60.29
Fees + prepaids$9,833.53
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. $278,532.68 is due at closing. Uses and sources reconcile at $294,832.53 each. Not a Closing Disclosure.