Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$235,382Cash toward the purchase price.
Closing costs + prepaids$13,822Not just lender fees.
Before credits & paid funds$249,204The complete starting cash picture.
Estimated remaining funds due at closing
$249,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,382.14
Your down payment$235,382.14
Closing costs + prepaids$13,821.84
Total buyer cash needed$249,203.98
Remaining funds due$249,203.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,327.00
Initial HOA (3 months)$99.99
Prepaid interest, first (26 days)$569.85
Fees + prepaids$13,821.84
Your down payment is the seller’s equity. You take over the $299,618 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $249,203.98 is due at closing. Uses and sources reconcile at $548,821.84 each. Not a Closing Disclosure.