Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$275,841Cash toward the purchase price.
Closing costs + prepaids$13,142Not just lender fees.
Before credits & paid funds$288,983The complete starting cash picture.
Estimated remaining funds due at closing
$288,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,841.45
Your down payment$275,841.45
Closing costs + prepaids$13,141.70
Total buyer cash needed$288,983.14
Remaining funds due$288,983.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$1,325.75
Initial HOA (3 months)$22.26
Prepaid interest, first (5 days)$119.69
Fees + prepaids$13,141.70
Your down payment is the seller’s equity. You take over the $244,059 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $288,983.14 is due at closing. Uses and sources reconcile at $533,041.70 each. Not a Closing Disclosure.