Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$254,995Cash toward the purchase price.
Closing costs + prepaids$13,582Not just lender fees.
Before credits & paid funds$268,576The complete starting cash picture.
Estimated remaining funds due at closing
$268,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,994.63
Your down payment$254,994.63
Closing costs + prepaids$13,581.55
Total buyer cash needed$268,576.18
Remaining funds due$268,576.18
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)$1,815.25
Initial HOA (3 months)$116.01
Prepaid interest, first (1 days)$25.29
Fees + prepaids$13,581.55
Your down payment is the seller’s equity. You take over the $260,005 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $268,576.18 is due at closing. Uses and sources reconcile at $528,581.55 each. Not a Closing Disclosure.