Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$239,676Cash toward the purchase price.
Closing costs + prepaids$13,737Not just lender fees.
Before credits & paid funds$253,413The complete starting cash picture.
Estimated remaining funds due at closing
$253,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,676.38
Your down payment$239,676.38
Closing costs + prepaids$13,736.61
Total buyer cash needed$253,412.99
Remaining funds due$253,412.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$2,012.00
Prepaid interest, first (2 days)$49.61
Fees + prepaids$13,736.61
Your down payment is the seller’s equity. You take over the $280,324 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $253,412.99 is due at closing. Uses and sources reconcile at $533,736.61 each. Not a Closing Disclosure.