Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$252,038Cash toward the purchase price.
Closing costs + prepaids$13,008Not just lender fees.
Before credits & paid funds$265,046The complete starting cash picture.
Estimated remaining funds due at closing
$265,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,037.71
Your down payment$252,037.71
Closing costs + prepaids$13,008.01
Total buyer cash needed$265,045.71
Remaining funds due$265,045.71
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)$1,275.00
Initial HOA (3 months)$105.00
Prepaid interest, first (2 days)$53.01
Fees + prepaids$13,008.01
Your down payment is the seller’s equity. You take over the $257,962 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $265,045.71 is due at closing. Uses and sources reconcile at $523,008.01 each. Not a Closing Disclosure.