Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$247,185Cash toward the purchase price.
Closing costs + prepaids$14,527Not just lender fees.
Before credits & paid funds$261,712The complete starting cash picture.
Estimated remaining funds due at closing
$261,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,185.05
Your down payment$247,185.05
Closing costs + prepaids$14,527.26
Total buyer cash needed$261,712.31
Remaining funds due$261,712.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,240.00
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)$1,781.75
Initial HOA (3 months)$420.00
Prepaid interest, first (23 days)$610.51
Fees + prepaids$14,527.26
Your down payment is the seller’s equity. You take over the $276,815 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $261,712.31 is due at closing. Uses and sources reconcile at $538,527.26 each. Not a Closing Disclosure.