Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$291,876Cash toward the purchase price.
Closing costs + prepaids$12,664Not just lender fees.
Before credits & paid funds$304,540The complete starting cash picture.
Estimated remaining funds due at closing
$304,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,876.13
Your down payment$291,876.13
Closing costs + prepaids$12,663.87
Total buyer cash needed$304,540.00
Remaining funds due$304,540.00
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)$750.75
Initial HOA (3 months)$165.00
Prepaid interest, first (1 days)$23.12
Fees + prepaids$12,663.87
Your down payment is the seller’s equity. You take over the $233,124 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $304,540.00 is due at closing. Uses and sources reconcile at $537,663.87 each. Not a Closing Disclosure.