Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$252,631Cash toward the purchase price.
Closing costs + prepaids$13,642Not just lender fees.
Before credits & paid funds$266,274The complete starting cash picture.
Estimated remaining funds due at closing
$266,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,631.10
Your down payment$252,631.10
Closing costs + prepaids$13,642.49
Total buyer cash needed$266,273.59
Remaining funds due$266,273.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$1,275.00
Initial HOA (3 months)$105.00
Prepaid interest, first (26 days)$687.49
Fees + prepaids$13,642.49
Your down payment is the seller’s equity. You take over the $257,369 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $266,273.59 is due at closing. Uses and sources reconcile at $523,642.49 each. Not a Closing Disclosure.