Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$275,841Cash toward the purchase price.
Closing costs + prepaids$13,553Not just lender fees.
Before credits & paid funds$289,394The complete starting cash picture.
Estimated remaining funds due at closing
$289,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,841.45
Your down payment$275,841.45
Closing costs + prepaids$13,552.58
Total buyer cash needed$289,394.03
Remaining funds due$289,394.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$1,210.00
Initial HOA (3 months)$22.26
Prepaid interest, first (27 days)$646.32
Fees + prepaids$13,552.58
Your down payment is the seller’s equity. You take over the $244,059 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $289,394.03 is due at closing. Uses and sources reconcile at $533,452.58 each. Not a Closing Disclosure.