Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$251,800Cash toward the purchase price.
Closing costs + prepaids$10,284Not just lender fees.
Before credits & paid funds$262,083The complete starting cash picture.
Estimated remaining funds due at closing
$262,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,799.69
Your down payment$251,799.69
Closing costs + prepaids$10,283.59
Total buyer cash needed$262,083.29
Remaining funds due$262,083.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,594.00
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)$388.00
Initial HOA (3 months)$56.25
Prepaid interest, first (2 days)$20.34
Fees + prepaids$10,283.59
Your down payment is the seller’s equity. You take over the $107,600 balance, so the rest of the $359,400 price is paid at closing. A second mortgage can cover part of it. $262,083.29 is due at closing. Uses and sources reconcile at $369,683.59 each. Not a Closing Disclosure.