Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$262,109Cash toward the purchase price.
Closing costs + prepaids$13,872Not just lender fees.
Before credits & paid funds$275,981The complete starting cash picture.
Estimated remaining funds due at closing
$275,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,108.68
Your down payment$262,108.68
Closing costs + prepaids$13,872.07
Total buyer cash needed$275,980.75
Remaining funds due$275,980.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
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)$617.00
Initial HOA (3 months)$285.00
Prepaid interest, first (19 days)$995.08
Fees + prepaids$13,872.07
Your down payment is the seller’s equity. You take over the $287,890 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $275,980.75 is due at closing. Uses and sources reconcile at $563,871.07 each. Not a Closing Disclosure.