Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$52,066Cash toward the purchase price.
Closing costs + prepaids$10,391Not just lender fees.
Before credits & paid funds$62,457The complete starting cash picture.
Estimated remaining funds due at closing
$62,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,065.77
Your down payment$52,065.77
Closing costs + prepaids$10,391.38
Total buyer cash needed$62,457.14
Remaining funds due$62,457.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.00
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)$243.00
Initial HOA (3 months)$1,257.00
Prepaid interest, first (1 days)$17.38
Fees + prepaids$10,391.38
Your down payment is the seller’s equity. You take over the $212,834 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $62,457.14 is due at closing. Uses and sources reconcile at $275,291.38 each. Not a Closing Disclosure.