Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$259,329Cash toward the purchase price.
Closing costs + prepaids$10,847Not just lender fees.
Before credits & paid funds$270,176The complete starting cash picture.
Estimated remaining funds due at closing
$270,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,328.90
Your down payment$259,328.90
Closing costs + prepaids$10,847.31
Total buyer cash needed$270,176.21
Remaining funds due$270,176.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$368.75
Initial HOA (3 months)$1,230.00
Prepaid interest, first (13 days)$73.56
Fees + prepaids$10,847.31
Your down payment is the seller’s equity. You take over the $35,671 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $270,176.21 is due at closing. Uses and sources reconcile at $305,847.31 each. Not a Closing Disclosure.