Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$268,954Cash toward the purchase price.
Closing costs + prepaids$13,303Not just lender fees.
Before credits & paid funds$282,257The complete starting cash picture.
Estimated remaining funds due at closing
$282,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,953.82
Your down payment$268,953.82
Closing costs + prepaids$13,302.94
Total buyer cash needed$282,256.76
Remaining funds due$282,256.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.95
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$13,302.94
Your down payment is the seller’s equity. You take over the $261,041 balance, so the rest of the $529,995 price is paid at closing. A second mortgage can cover part of it. $282,256.76 is due at closing. Uses and sources reconcile at $543,297.94 each. Not a Closing Disclosure.