Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$262,109Cash toward the purchase price.
Closing costs + prepaids$13,924Not just lender fees.
Before credits & paid funds$276,033The complete starting cash picture.
Estimated remaining funds due at closing
$276,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,108.68
Your down payment$262,108.68
Closing costs + prepaids$13,924.44
Total buyer cash needed$276,033.12
Remaining funds due$276,033.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$617.00
Initial HOA (3 months)$285.00
Prepaid interest, first (20 days)$1,047.45
Fees + prepaids$13,924.44
Your down payment is the seller’s equity. You take over the $287,890 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $276,033.12 is due at closing. Uses and sources reconcile at $563,923.44 each. Not a Closing Disclosure.