Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$262,547Cash toward the purchase price.
Closing costs + prepaids$11,787Not just lender fees.
Before credits & paid funds$274,335The complete starting cash picture.
Estimated remaining funds due at closing
$274,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,547.28
Your down payment$262,547.28
Closing costs + prepaids$11,787.43
Total buyer cash needed$274,334.71
Remaining funds due$274,334.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$547.50
Initial HOA (3 months)$1,572.00
Prepaid interest, first (20 days)$143.93
Fees + prepaids$11,787.43
Your down payment is the seller’s equity. You take over the $67,353 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $274,334.71 is due at closing. Uses and sources reconcile at $341,687.43 each. Not a Closing Disclosure.