Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$246,202Cash toward the purchase price.
Closing costs + prepaids$13,002Not just lender fees.
Before credits & paid funds$259,204The complete starting cash picture.
Estimated remaining funds due at closing
$259,204No 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$13,002.08
Total buyer cash needed$259,203.79
Remaining funds due$259,203.79
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 (19 days)$485.58
Fees + prepaids$13,002.08
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. $259,203.79 is due at closing. Uses and sources reconcile at $548,002.08 each. Not a Closing Disclosure.