Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$251,274Cash toward the purchase price.
Closing costs + prepaids$13,212Not just lender fees.
Before credits & paid funds$264,486The complete starting cash picture.
Estimated remaining funds due at closing
$264,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,274.07
Your down payment$251,274.07
Closing costs + prepaids$13,211.69
Total buyer cash needed$264,485.76
Remaining funds due$264,485.76
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)$953.25
Initial HOA (3 months)$200.01
Prepaid interest, first (22 days)$483.43
Fees + prepaids$13,211.69
Your down payment is the seller’s equity. You take over the $258,726 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $264,485.76 is due at closing. Uses and sources reconcile at $523,211.69 each. Not a Closing Disclosure.