Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$245,129Cash toward the purchase price.
Closing costs + prepaids$14,214Not just lender fees.
Before credits & paid funds$259,342The complete starting cash picture.
Estimated remaining funds due at closing
$259,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,128.96
Your down payment$245,128.96
Closing costs + prepaids$14,213.53
Total buyer cash needed$259,342.48
Remaining funds due$259,342.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$1,324.75
Initial HOA (3 months)$348.00
Prepaid interest, first (28 days)$766.78
Fees + prepaids$14,213.53
Your down payment is the seller’s equity. You take over the $284,771 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $259,342.48 is due at closing. Uses and sources reconcile at $544,113.53 each. Not a Closing Disclosure.