Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$251,145Cash toward the purchase price.
Closing costs + prepaids$13,598Not just lender fees.
Before credits & paid funds$264,743The complete starting cash picture.
Estimated remaining funds due at closing
$264,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,144.98
Your down payment$251,144.98
Closing costs + prepaids$13,598.47
Total buyer cash needed$264,743.46
Remaining funds due$264,743.46
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)$1,009.25
Initial HOA (3 months)$399.00
Prepaid interest, first (25 days)$615.22
Fees + prepaids$13,598.47
Your down payment is the seller’s equity. You take over the $258,855 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $264,743.46 is due at closing. Uses and sources reconcile at $523,598.47 each. Not a Closing Disclosure.