Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$245,522Cash toward the purchase price.
Closing costs + prepaids$12,542Not just lender fees.
Before credits & paid funds$258,064The complete starting cash picture.
Estimated remaining funds due at closing
$258,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,521.55
Your down payment$245,521.55
Closing costs + prepaids$12,542.12
Total buyer cash needed$258,063.67
Remaining funds due$258,063.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$526.50
Initial HOA (3 months)$165.00
Prepaid interest, first (1 days)$25.62
Fees + prepaids$12,542.12
Your down payment is the seller’s equity. You take over the $289,478 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $258,063.67 is due at closing. Uses and sources reconcile at $547,542.12 each. Not a Closing Disclosure.