Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$240,094Cash toward the purchase price.
Closing costs + prepaids$10,539Not just lender fees.
Before credits & paid funds$250,633The complete starting cash picture.
Estimated remaining funds due at closing
$250,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,094.11
Your down payment$240,094.11
Closing costs + prepaids$10,539.21
Total buyer cash needed$250,633.33
Remaining funds due$250,633.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,600.00
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)$1,603.00
Initial HOA (3 months)$24.99
Prepaid interest, first (30 days)$86.22
Fees + prepaids$10,539.21
Your down payment is the seller’s equity. You take over the $19,906 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $250,633.33 is due at closing. Uses and sources reconcile at $270,539.21 each. Not a Closing Disclosure.