Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$246,202Cash toward the purchase price.
Closing costs + prepaids$13,309Not just lender fees.
Before credits & paid funds$259,510The complete starting cash picture.
Estimated remaining funds due at closing
$259,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,201.71
Your down payment$246,201.71
Closing costs + prepaids$13,308.76
Total buyer cash needed$259,510.47
Remaining funds due$259,510.47
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 (31 days)$792.26
Fees + prepaids$13,308.76
Your down payment is the seller’s equity. You take over the $288,798 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $259,510.47 is due at closing. Uses and sources reconcile at $548,308.76 each. Not a Closing Disclosure.