Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$263,878Cash toward the purchase price.
Closing costs + prepaids$9,817Not just lender fees.
Before credits & paid funds$273,694The complete starting cash picture.
Estimated remaining funds due at closing
$273,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,877.68
Your down payment$263,877.68
Closing costs + prepaids$9,816.61
Total buyer cash needed$273,694.28
Remaining funds due$273,694.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$687.50
Initial HOA (3 months)$150.00
Prepaid interest, first (2 days)$4.11
Fees + prepaids$9,816.61
Your down payment is the seller’s equity. You take over the $11,122 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $273,694.28 is due at closing. Uses and sources reconcile at $284,816.61 each. Not a Closing Disclosure.