Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$254,171Cash toward the purchase price.
Closing costs + prepaids$13,632Not just lender fees.
Before credits & paid funds$267,803The complete starting cash picture.
Estimated remaining funds due at closing
$267,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,171.08
Your down payment$254,171.08
Closing costs + prepaids$13,631.60
Total buyer cash needed$267,802.68
Remaining funds due$267,802.68
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)$1,287.50
Prepaid interest, first (29 days)$719.10
Fees + prepaids$13,631.60
Your down payment is the seller’s equity. You take over the $260,829 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $267,802.68 is due at closing. Uses and sources reconcile at $528,631.60 each. Not a Closing Disclosure.