Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$260,214Cash toward the purchase price.
Closing costs + prepaids$10,611Not just lender fees.
Before credits & paid funds$270,825The complete starting cash picture.
Estimated remaining funds due at closing
$270,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,214.37
Your down payment$260,214.37
Closing costs + prepaids$10,610.61
Total buyer cash needed$270,824.98
Remaining funds due$270,824.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$432.00
Initial HOA (3 months)$273.00
Prepaid interest, first (9 days)$81.61
Fees + prepaids$10,610.61
Your down payment is the seller’s equity. You take over the $99,686 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $270,824.98 is due at closing. Uses and sources reconcile at $370,510.61 each. Not a Closing Disclosure.