Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$263,751Cash toward the purchase price.
Closing costs + prepaids$13,112Not just lender fees.
Before credits & paid funds$276,863The complete starting cash picture.
Estimated remaining funds due at closing
$276,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,750.83
Your down payment$263,750.83
Closing costs + prepaids$13,112.29
Total buyer cash needed$276,863.12
Remaining funds due$276,863.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.99
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)$636.00
Initial HOA (3 months)$240.00
Prepaid interest, first (17 days)$461.30
Fees + prepaids$13,112.29
Your down payment is the seller’s equity. You take over the $266,248 balance, so the rest of the $529,999 price is paid at closing. A second mortgage can cover part of it. $276,863.12 is due at closing. Uses and sources reconcile at $543,111.29 each. Not a Closing Disclosure.