Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$287,871Cash toward the purchase price.
Closing costs + prepaids$12,907Not just lender fees.
Before credits & paid funds$300,778The complete starting cash picture.
Estimated remaining funds due at closing
$300,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,871.01
Your down payment$287,871.01
Closing costs + prepaids$12,906.84
Total buyer cash needed$300,777.85
Remaining funds due$300,777.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$424.75
Initial HOA (3 months)$56.25
Prepaid interest, first (27 days)$551.84
Fees + prepaids$12,906.84
Your down payment is the seller’s equity. You take over the $252,029 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $300,777.85 is due at closing. Uses and sources reconcile at $552,806.84 each. Not a Closing Disclosure.