Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$265,885Cash toward the purchase price.
Closing costs + prepaids$9,665Not just lender fees.
Before credits & paid funds$275,550The complete starting cash picture.
Estimated remaining funds due at closing
$275,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,884.88
Your down payment$265,884.88
Closing costs + prepaids$9,664.82
Total buyer cash needed$275,549.71
Remaining funds due$275,549.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,715.00
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)$434.50
Initial HOA (3 months)$264.00
Prepaid interest, first (31 days)$26.32
Fees + prepaids$9,664.82
Your down payment is the seller’s equity. You take over the $5,615 balance, so the rest of the $271,500 price is paid at closing. A second mortgage can cover part of it. $275,549.71 is due at closing. Uses and sources reconcile at $281,164.82 each. Not a Closing Disclosure.