Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$273,025Cash toward the purchase price.
Closing costs + prepaids$13,945Not just lender fees.
Before credits & paid funds$286,970The complete starting cash picture.
Estimated remaining funds due at closing
$286,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,024.79
Your down payment$273,024.79
Closing costs + prepaids$13,944.74
Total buyer cash needed$286,969.53
Remaining funds due$286,969.53
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)$1,704.00
Prepaid interest, first (27 days)$615.74
Fees + prepaids$13,944.74
Your down payment is the seller’s equity. You take over the $241,975 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $286,969.53 is due at closing. Uses and sources reconcile at $528,944.74 each. Not a Closing Disclosure.