Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$239,093Cash toward the purchase price.
Closing costs + prepaids$13,442Not just lender fees.
Before credits & paid funds$252,535The complete starting cash picture.
Estimated remaining funds due at closing
$252,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,093.27
Your down payment$239,093.27
Closing costs + prepaids$13,442.23
Total buyer cash needed$252,535.50
Remaining funds due$252,535.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$911.25
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$680.99
Fees + prepaids$13,442.23
Your down payment is the seller’s equity. You take over the $295,907 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $252,535.50 is due at closing. Uses and sources reconcile at $548,442.23 each. Not a Closing Disclosure.