Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$272,320Cash toward the purchase price.
Closing costs + prepaids$13,375Not just lender fees.
Before credits & paid funds$285,695The complete starting cash picture.
Estimated remaining funds due at closing
$285,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,320.50
Your down payment$272,320.50
Closing costs + prepaids$13,374.74
Total buyer cash needed$285,695.24
Remaining funds due$285,695.24
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)$1,704.00
Prepaid interest, first (2 days)$45.74
Fees + prepaids$13,374.74
Your down payment is the seller’s equity. You take over the $242,680 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $285,695.24 is due at closing. Uses and sources reconcile at $528,374.74 each. Not a Closing Disclosure.