Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$261,671Cash toward the purchase price.
Closing costs + prepaids$10,904Not just lender fees.
Before credits & paid funds$272,575The complete starting cash picture.
Estimated remaining funds due at closing
$272,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,670.84
Your down payment$261,670.84
Closing costs + prepaids$10,904.22
Total buyer cash needed$272,575.06
Remaining funds due$272,575.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,145.00
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)$377.50
Initial HOA (3 months)$1,101.00
Prepaid interest, first (7 days)$55.72
Fees + prepaids$10,904.22
Your down payment is the seller’s equity. You take over the $52,829 balance, so the rest of the $314,500 price is paid at closing. A second mortgage can cover part of it. $272,575.06 is due at closing. Uses and sources reconcile at $325,404.22 each. Not a Closing Disclosure.