Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$250,544Cash toward the purchase price.
Closing costs + prepaids$9,771Not just lender fees.
Before credits & paid funds$260,315The complete starting cash picture.
Estimated remaining funds due at closing
$260,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,543.75
Your down payment$250,543.75
Closing costs + prepaids$9,770.83
Total buyer cash needed$260,314.58
Remaining funds due$260,314.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$122.50
Initial HOA (3 months)$210.00
Prepaid interest, first (2 days)$14.33
Fees + prepaids$9,770.83
Your down payment is the seller’s equity. You take over the $69,356 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $260,314.58 is due at closing. Uses and sources reconcile at $329,670.83 each. Not a Closing Disclosure.