Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$268,699Cash toward the purchase price.
Closing costs + prepaids$9,805Not just lender fees.
Before credits & paid funds$278,504The complete starting cash picture.
Estimated remaining funds due at closing
$278,504No 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$9,805.32
Total buyer cash needed$278,504.47
Remaining funds due$278,504.47
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)$342.00
Initial HOA (3 months)$366.00
Prepaid interest, first (10 days)$22.33
Fees + prepaids$9,805.32
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. $278,504.47 is due at closing. Uses and sources reconcile at $294,804.32 each. Not a Closing Disclosure.