Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$267,986Cash toward the purchase price.
Closing costs + prepaids$14,936Not just lender fees.
Before credits & paid funds$282,922The complete starting cash picture.
Estimated remaining funds due at closing
$282,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,986.09
Your down payment$267,986.09
Closing costs + prepaids$14,935.71
Total buyer cash needed$282,921.80
Remaining funds due$282,921.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$2,426.50
Initial HOA (3 months)$26.76
Prepaid interest, first (31 days)$757.45
Fees + prepaids$14,935.71
Your down payment is the seller’s equity. You take over the $257,014 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $282,921.80 is due at closing. Uses and sources reconcile at $539,935.71 each. Not a Closing Disclosure.