Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$270,309Cash toward the purchase price.
Closing costs + prepaids$15,214Not just lender fees.
Before credits & paid funds$285,523The complete starting cash picture.
Estimated remaining funds due at closing
$285,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,308.86
Your down payment$270,308.86
Closing costs + prepaids$15,213.70
Total buyer cash needed$285,522.56
Remaining funds due$285,522.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$1,312.50
Initial HOA (3 months)$1,611.00
Prepaid interest, first (27 days)$565.20
Fees + prepaids$15,213.70
Your down payment is the seller’s equity. You take over the $254,691 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $285,522.56 is due at closing. Uses and sources reconcile at $540,213.70 each. Not a Closing Disclosure.