Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$267,677Cash toward the purchase price.
Closing costs + prepaids$10,005Not just lender fees.
Before credits & paid funds$277,682The complete starting cash picture.
Estimated remaining funds due at closing
$277,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,677.39
Your down payment$267,677.39
Closing costs + prepaids$10,004.92
Total buyer cash needed$277,682.31
Remaining funds due$277,682.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,980.00
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)$256.25
Initial HOA (3 months)$462.00
Prepaid interest, first (29 days)$81.67
Fees + prepaids$10,004.92
Your down payment is the seller’s equity. You take over the $30,323 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $277,682.31 is due at closing. Uses and sources reconcile at $308,004.92 each. Not a Closing Disclosure.