Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$241,363Cash toward the purchase price.
Closing costs + prepaids$14,888Not just lender fees.
Before credits & paid funds$256,252The complete starting cash picture.
Estimated remaining funds due at closing
$256,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,363.48
Your down payment$241,363.48
Closing costs + prepaids$14,888.04
Total buyer cash needed$256,251.52
Remaining funds due$256,251.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$1,832.00
Initial HOA (3 months)$735.00
Prepaid interest, first (24 days)$556.04
Fees + prepaids$14,888.04
Your down payment is the seller’s equity. You take over the $287,637 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $256,251.52 is due at closing. Uses and sources reconcile at $543,888.04 each. Not a Closing Disclosure.