Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$254,786Cash toward the purchase price.
Closing costs + prepaids$12,685Not just lender fees.
Before credits & paid funds$267,471The complete starting cash picture.
Estimated remaining funds due at closing
$267,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,785.88
Your down payment$254,785.88
Closing costs + prepaids$12,685.49
Total buyer cash needed$267,471.37
Remaining funds due$267,471.37
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)$587.25
Initial HOA (3 months)$339.00
Prepaid interest, first (1 days)$34.24
Fees + prepaids$12,685.49
Your down payment is the seller’s equity. You take over the $270,214 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $267,471.37 is due at closing. Uses and sources reconcile at $537,685.49 each. Not a Closing Disclosure.