Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$246,884Cash toward the purchase price.
Closing costs + prepaids$12,530Not just lender fees.
Before credits & paid funds$259,414The complete starting cash picture.
Estimated remaining funds due at closing
$259,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,884.04
Your down payment$246,884.04
Closing costs + prepaids$12,530.26
Total buyer cash needed$259,414.30
Remaining funds due$259,414.30
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)$539.25
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$21.01
Fees + prepaids$12,530.26
Your down payment is the seller’s equity. You take over the $268,116 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $259,414.30 is due at closing. Uses and sources reconcile at $527,530.26 each. Not a Closing Disclosure.