Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$284,070Cash toward the purchase price.
Closing costs + prepaids$13,425Not just lender fees.
Before credits & paid funds$297,495The complete starting cash picture.
Estimated remaining funds due at closing
$297,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,069.96
Your down payment$284,069.96
Closing costs + prepaids$13,424.55
Total buyer cash needed$297,494.51
Remaining funds due$297,494.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$1,292.00
Initial HOA (3 months)$48.00
Prepaid interest, first (24 days)$509.55
Fees + prepaids$13,424.55
Your down payment is the seller’s equity. You take over the $225,930 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $297,494.51 is due at closing. Uses and sources reconcile at $523,424.55 each. Not a Closing Disclosure.