Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$234,694Cash toward the purchase price.
Closing costs + prepaids$15,562Not just lender fees.
Before credits & paid funds$250,256The complete starting cash picture.
Estimated remaining funds due at closing
$250,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,694.44
Your down payment$234,694.44
Closing costs + prepaids$15,561.76
Total buyer cash needed$250,256.20
Remaining funds due$250,256.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,525.00
Initial HOA (3 months)$480.00
Prepaid interest, first (31 days)$981.76
Fees + prepaids$15,561.76
Your down payment is the seller’s equity. You take over the $375,306 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $250,256.20 is due at closing. Uses and sources reconcile at $625,561.76 each. Not a Closing Disclosure.