Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$266,667Cash toward the purchase price.
Closing costs + prepaids$12,863Not just lender fees.
Before credits & paid funds$279,530The complete starting cash picture.
Estimated remaining funds due at closing
$279,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,667.42
Your down payment$266,667.42
Closing costs + prepaids$12,862.93
Total buyer cash needed$279,530.35
Remaining funds due$279,530.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$654.00
Initial HOA (3 months)$75.00
Prepaid interest, first (9 days)$209.93
Fees + prepaids$12,862.93
Your down payment is the seller’s equity. You take over the $278,233 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $279,530.35 is due at closing. Uses and sources reconcile at $557,762.93 each. Not a Closing Disclosure.