Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$258,337Cash toward the purchase price.
Closing costs + prepaids$16,711Not just lender fees.
Before credits & paid funds$275,048The complete starting cash picture.
Estimated remaining funds due at closing
$275,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,336.90
Your down payment$258,336.90
Closing costs + prepaids$16,711.12
Total buyer cash needed$275,048.02
Remaining funds due$275,048.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,748.88
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)$929.75
Initial HOA (3 months)$315.00
Prepaid interest, first (12 days)$492.49
Fees + prepaids$16,711.12
Your down payment is the seller’s equity. You take over the $516,551 balance, so the rest of the $774,888 price is paid at closing. A second mortgage can cover part of it. $275,048.02 is due at closing. Uses and sources reconcile at $791,599.12 each. Not a Closing Disclosure.