Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$239,439Cash toward the purchase price.
Closing costs + prepaids$13,153Not just lender fees.
Before credits & paid funds$252,592The complete starting cash picture.
Estimated remaining funds due at closing
$252,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,438.57
Your down payment$239,438.57
Closing costs + prepaids$13,153.00
Total buyer cash needed$252,591.57
Remaining funds due$252,591.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$737.00
Initial HOA (3 months)$117.00
Prepaid interest, first (22 days)$624.00
Fees + prepaids$13,153.00
Your down payment is the seller’s equity. You take over the $280,561 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $252,591.57 is due at closing. Uses and sources reconcile at $533,153.00 each. Not a Closing Disclosure.