Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$235,917Cash toward the purchase price.
Closing costs + prepaids$9,530Not just lender fees.
Before credits & paid funds$245,447The complete starting cash picture.
Estimated remaining funds due at closing
$245,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,917.05
Your down payment$235,917.05
Closing costs + prepaids$9,530.44
Total buyer cash needed$245,447.50
Remaining funds due$245,447.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$187.25
Initial HOA (3 months)$381.00
Prepaid interest, first (31 days)$87.19
Fees + prepaids$9,530.44
Your down payment is the seller’s equity. You take over the $29,083 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $245,447.50 is due at closing. Uses and sources reconcile at $274,530.44 each. Not a Closing Disclosure.