Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$246,280Cash toward the purchase price.
Closing costs + prepaids$16,610Not just lender fees.
Before credits & paid funds$262,890The complete starting cash picture.
Estimated remaining funds due at closing
$262,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,279.81
Your down payment$246,279.81
Closing costs + prepaids$16,609.84
Total buyer cash needed$262,889.65
Remaining funds due$262,889.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,649.73
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$918.00
Initial HOA (3 months)$297.00
Prepaid interest, first (12 days)$520.11
Fees + prepaids$16,609.84
Your down payment is the seller’s equity. You take over the $518,693 balance, so the rest of the $764,973 price is paid at closing. A second mortgage can cover part of it. $262,889.65 is due at closing. Uses and sources reconcile at $781,582.84 each. Not a Closing Disclosure.