Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$260,286Cash toward the purchase price.
Closing costs + prepaids$10,182Not just lender fees.
Before credits & paid funds$270,468The complete starting cash picture.
Estimated remaining funds due at closing
$270,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,285.98
Your down payment$260,285.98
Closing costs + prepaids$10,181.65
Total buyer cash needed$270,467.63
Remaining funds due$270,467.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$291.25
Initial HOA (3 months)$915.00
Prepaid interest, first (1 days)$1.40
Fees + prepaids$10,181.65
Your down payment is the seller’s equity. You take over the $14,614 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $270,467.63 is due at closing. Uses and sources reconcile at $285,081.65 each. Not a Closing Disclosure.