Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$246,553Cash toward the purchase price.
Closing costs + prepaids$13,943Not just lender fees.
Before credits & paid funds$260,496The complete starting cash picture.
Estimated remaining funds due at closing
$260,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,552.90
Your down payment$246,552.90
Closing costs + prepaids$13,943.35
Total buyer cash needed$260,496.25
Remaining funds due$260,496.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,240.00
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)$1,781.75
Initial HOA (3 months)$420.00
Prepaid interest, first (1 days)$26.60
Fees + prepaids$13,943.35
Your down payment is the seller’s equity. You take over the $277,447 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $260,496.25 is due at closing. Uses and sources reconcile at $537,943.35 each. Not a Closing Disclosure.