Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$240,185Cash toward the purchase price.
Closing costs + prepaids$12,773Not just lender fees.
Before credits & paid funds$252,958The complete starting cash picture.
Estimated remaining funds due at closing
$252,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,184.67
Your down payment$240,184.67
Closing costs + prepaids$12,773.12
Total buyer cash needed$252,957.79
Remaining funds due$252,957.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$648.75
Initial HOA (3 months)$84.00
Prepaid interest, first (18 days)$375.37
Fees + prepaids$12,773.12
Your down payment is the seller’s equity. You take over the $278,815 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $252,957.79 is due at closing. Uses and sources reconcile at $531,773.12 each. Not a Closing Disclosure.