Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$235,443Cash toward the purchase price.
Closing costs + prepaids$14,282Not just lender fees.
Before credits & paid funds$249,725The complete starting cash picture.
Estimated remaining funds due at closing
$249,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,443.12
Your down payment$235,443.12
Closing costs + prepaids$14,282.30
Total buyer cash needed$249,725.42
Remaining funds due$249,725.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,261.25
Initial HOA (3 months)$858.00
Prepaid interest, first (25 days)$538.05
Fees + prepaids$14,282.30
Your down payment is the seller’s equity. You take over the $279,557 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $249,725.42 is due at closing. Uses and sources reconcile at $529,282.30 each. Not a Closing Disclosure.