Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$259,486Cash toward the purchase price.
Closing costs + prepaids$10,938Not just lender fees.
Before credits & paid funds$270,424The complete starting cash picture.
Estimated remaining funds due at closing
$270,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,485.91
Your down payment$259,485.91
Closing costs + prepaids$10,938.09
Total buyer cash needed$270,424.00
Remaining funds due$270,424.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$450.00
Initial HOA (3 months)$405.00
Prepaid interest, first (10 days)$109.09
Fees + prepaids$10,938.09
Your down payment is the seller’s equity. You take over the $115,414 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $270,424.00 is due at closing. Uses and sources reconcile at $385,838.09 each. Not a Closing Disclosure.