Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$251,691Cash toward the purchase price.
Closing costs + prepaids$9,553Not just lender fees.
Before credits & paid funds$261,244The complete starting cash picture.
Estimated remaining funds due at closing
$261,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,691.01
Your down payment$251,691.01
Closing costs + prepaids$9,552.71
Total buyer cash needed$261,243.73
Remaining funds due$261,243.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.00
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)$334.50
Initial HOA (3 months)$342.00
Prepaid interest, first (1 days)$2.21
Fees + prepaids$9,552.71
Your down payment is the seller’s equity. You take over the $13,209 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $261,243.73 is due at closing. Uses and sources reconcile at $274,452.71 each. Not a Closing Disclosure.