Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$260,421Cash toward the purchase price.
Closing costs + prepaids$10,168Not just lender fees.
Before credits & paid funds$270,588The complete starting cash picture.
Estimated remaining funds due at closing
$270,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,420.65
Your down payment$260,420.65
Closing costs + prepaids$10,167.74
Total buyer cash needed$270,588.38
Remaining funds due$270,588.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.90
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)$390.00
Initial HOA (3 months)$225.00
Prepaid interest, first (10 days)$77.84
Fees + prepaids$10,167.74
Your down payment is the seller’s equity. You take over the $64,569 balance, so the rest of the $324,990 price is paid at closing. A second mortgage can cover part of it. $270,588.38 is due at closing. Uses and sources reconcile at $335,157.74 each. Not a Closing Disclosure.