Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$254,998Cash toward the purchase price.
Closing costs + prepaids$12,976Not just lender fees.
Before credits & paid funds$267,973The complete starting cash picture.
Estimated remaining funds due at closing
$267,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,997.61
Your down payment$254,997.61
Closing costs + prepaids$12,975.74
Total buyer cash needed$267,973.36
Remaining funds due$267,973.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$705.00
Initial HOA (3 months)$626.01
Prepaid interest, first (1 days)$19.73
Fees + prepaids$12,975.74
Your down payment is the seller’s equity. You take over the $260,002 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $267,973.36 is due at closing. Uses and sources reconcile at $527,975.74 each. Not a Closing Disclosure.