Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$257,944Cash toward the purchase price.
Closing costs + prepaids$10,454Not just lender fees.
Before credits & paid funds$268,398The complete starting cash picture.
Estimated remaining funds due at closing
$268,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,944.16
Your down payment$257,944.16
Closing costs + prepaids$10,453.64
Total buyer cash needed$268,397.80
Remaining funds due$268,397.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,288.88
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)$479.75
Initial HOA (3 months)$150.00
Prepaid interest, first (29 days)$310.01
Fees + prepaids$10,453.64
Your down payment is the seller’s equity. You take over the $70,944 balance, so the rest of the $328,888 price is paid at closing. A second mortgage can cover part of it. $268,397.80 is due at closing. Uses and sources reconcile at $339,341.64 each. Not a Closing Disclosure.