Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$232,811Cash toward the purchase price.
Closing costs + prepaids$12,773Not just lender fees.
Before credits & paid funds$245,584The complete starting cash picture.
Estimated remaining funds due at closing
$245,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,811.22
Your down payment$232,811.22
Closing costs + prepaids$12,773.14
Total buyer cash needed$245,584.36
Remaining funds due$245,584.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$468.25
Initial HOA (3 months)$125.01
Prepaid interest, first (27 days)$604.88
Fees + prepaids$12,773.14
Your down payment is the seller’s equity. You take over the $277,189 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $245,584.36 is due at closing. Uses and sources reconcile at $522,773.14 each. Not a Closing Disclosure.