Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$273,479Cash toward the purchase price.
Closing costs + prepaids$14,042Not just lender fees.
Before credits & paid funds$287,521The complete starting cash picture.
Estimated remaining funds due at closing
$287,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,479.14
Your down payment$273,479.14
Closing costs + prepaids$14,042.31
Total buyer cash needed$287,521.45
Remaining funds due$287,521.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,349.99
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)$1,148.75
Initial HOA (3 months)$327.00
Prepaid interest, first (30 days)$741.57
Fees + prepaids$14,042.31
Your down payment is the seller’s equity. You take over the $261,520 balance, so the rest of the $534,999 price is paid at closing. A second mortgage can cover part of it. $287,521.45 is due at closing. Uses and sources reconcile at $549,041.31 each. Not a Closing Disclosure.