Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$273,954Cash toward the purchase price.
Closing costs + prepaids$13,353Not just lender fees.
Before credits & paid funds$287,307The complete starting cash picture.
Estimated remaining funds due at closing
$287,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,953.82
Your down payment$273,953.82
Closing costs + prepaids$13,352.94
Total buyer cash needed$287,306.76
Remaining funds due$287,306.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,349.95
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)$688.50
Initial HOA (3 months)$110.01
Prepaid interest, first (25 days)$729.48
Fees + prepaids$13,352.94
Your down payment is the seller’s equity. You take over the $261,041 balance, so the rest of the $534,995 price is paid at closing. A second mortgage can cover part of it. $287,306.76 is due at closing. Uses and sources reconcile at $548,347.94 each. Not a Closing Disclosure.