Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$273,724Cash toward the purchase price.
Closing costs + prepaids$14,066Not just lender fees.
Before credits & paid funds$287,791The complete starting cash picture.
Estimated remaining funds due at closing
$287,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,724.31
Your down payment$273,724.31
Closing costs + prepaids$14,066.23
Total buyer cash needed$287,790.53
Remaining funds due$287,790.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,239.00
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)$524.00
Initial HOA (3 months)$411.00
Prepaid interest, first (31 days)$1,417.23
Fees + prepaids$14,066.23
Your down payment is the seller’s equity. You take over the $250,176 balance, so the rest of the $523,900 price is paid at closing. A second mortgage can cover part of it. $287,790.53 is due at closing. Uses and sources reconcile at $537,966.23 each. Not a Closing Disclosure.