Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$188,758Cash toward the purchase price.
Closing costs + prepaids$10,246Not just lender fees.
Before credits & paid funds$199,004The complete starting cash picture.
Estimated remaining funds due at closing
$199,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,757.68
Your down payment$188,757.68
Closing costs + prepaids$10,245.93
Total buyer cash needed$199,003.61
Remaining funds due$199,003.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,630.00
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)$315.50
Initial HOA (3 months)$990.00
Prepaid interest, first (7 days)$85.43
Fees + prepaids$10,245.93
Your down payment is the seller’s equity. You take over the $74,242 balance, so the rest of the $263,000 price is paid at closing. A second mortgage can cover part of it. $199,003.61 is due at closing. Uses and sources reconcile at $273,245.93 each. Not a Closing Disclosure.