Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$258,752Cash toward the purchase price.
Closing costs + prepaids$9,511Not just lender fees.
Before credits & paid funds$268,263The complete starting cash picture.
Estimated remaining funds due at closing
$268,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,751.70
Your down payment$258,751.70
Closing costs + prepaids$9,511.25
Total buyer cash needed$268,262.95
Remaining funds due$268,262.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$207.00
Initial HOA (3 months)$273.00
Prepaid interest, first (19 days)$56.25
Fees + prepaids$9,511.25
Your down payment is the seller’s equity. You take over the $16,248 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $268,262.95 is due at closing. Uses and sources reconcile at $284,511.25 each. Not a Closing Disclosure.