Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$246,395Cash toward the purchase price.
Closing costs + prepaids$10,341Not just lender fees.
Before credits & paid funds$256,736The complete starting cash picture.
Estimated remaining funds due at closing
$256,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,394.84
Your down payment$246,394.84
Closing costs + prepaids$10,341.03
Total buyer cash needed$256,735.87
Remaining funds due$256,735.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$300.00
Initial HOA (3 months)$1,308.00
Prepaid interest, first (12 days)$9.03
Fees + prepaids$10,341.03
Your down payment is the seller’s equity. You take over the $3,505 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $256,735.87 is due at closing. Uses and sources reconcile at $260,241.03 each. Not a Closing Disclosure.