Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$263,751Cash toward the purchase price.
Closing costs + prepaids$13,313Not just lender fees.
Before credits & paid funds$277,064The complete starting cash picture.
Estimated remaining funds due at closing
$277,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,750.83
Your down payment$263,750.83
Closing costs + prepaids$13,313.22
Total buyer cash needed$277,064.05
Remaining funds due$277,064.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.99
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)$701.25
Initial HOA (3 months)$240.00
Prepaid interest, first (22 days)$596.98
Fees + prepaids$13,313.22
Your down payment is the seller’s equity. You take over the $266,248 balance, so the rest of the $529,999 price is paid at closing. A second mortgage can cover part of it. $277,064.05 is due at closing. Uses and sources reconcile at $543,312.22 each. Not a Closing Disclosure.