Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$262,404Cash toward the purchase price.
Closing costs + prepaids$14,008Not just lender fees.
Before credits & paid funds$276,412The complete starting cash picture.
Estimated remaining funds due at closing
$276,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,403.64
Your down payment$262,403.64
Closing costs + prepaids$14,008.10
Total buyer cash needed$276,411.73
Remaining funds due$276,411.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$626.00
Initial HOA (3 months)$75.00
Prepaid interest, first (29 days)$1,433.10
Fees + prepaids$14,008.10
Your down payment is the seller’s equity. You take over the $277,496 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $276,411.73 is due at closing. Uses and sources reconcile at $553,908.10 each. Not a Closing Disclosure.