Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$258,156Cash toward the purchase price.
Closing costs + prepaids$10,935Not just lender fees.
Before credits & paid funds$269,090The complete starting cash picture.
Estimated remaining funds due at closing
$269,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,155.92
Your down payment$258,155.92
Closing costs + prepaids$10,934.56
Total buyer cash needed$269,090.48
Remaining funds due$269,090.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.99
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)$663.00
Initial HOA (3 months)$315.00
Prepaid interest, first (31 days)$331.57
Fees + prepaids$10,934.56
Your down payment is the seller’s equity. You take over the $81,843 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $269,090.48 is due at closing. Uses and sources reconcile at $350,933.56 each. Not a Closing Disclosure.