Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$241,658Cash toward the purchase price.
Closing costs + prepaids$13,815Not just lender fees.
Before credits & paid funds$255,473The complete starting cash picture.
Estimated remaining funds due at closing
$255,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,657.96
Your down payment$241,657.96
Closing costs + prepaids$13,815.17
Total buyer cash needed$255,473.13
Remaining funds due$255,473.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$1,288.75
Initial HOA (3 months)$228.00
Prepaid interest, first (30 days)$723.42
Fees + prepaids$13,815.17
Your down payment is the seller’s equity. You take over the $268,342 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $255,473.13 is due at closing. Uses and sources reconcile at $523,815.17 each. Not a Closing Disclosure.