Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$230,085Cash toward the purchase price.
Closing costs + prepaids$14,201Not just lender fees.
Before credits & paid funds$244,286The complete starting cash picture.
Estimated remaining funds due at closing
$244,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,084.80
Your down payment$230,084.80
Closing costs + prepaids$14,201.11
Total buyer cash needed$244,285.91
Remaining funds due$244,285.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.00
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)$1,680.00
Initial HOA (3 months)$312.00
Prepaid interest, first (22 days)$485.11
Fees + prepaids$14,201.11
Your down payment is the seller’s equity. You take over the $294,815 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $244,285.91 is due at closing. Uses and sources reconcile at $539,101.11 each. Not a Closing Disclosure.