Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$276,082Cash toward the purchase price.
Closing costs + prepaids$12,748Not just lender fees.
Before credits & paid funds$288,830The complete starting cash picture.
Estimated remaining funds due at closing
$288,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,081.91
Your down payment$276,081.91
Closing costs + prepaids$12,748.07
Total buyer cash needed$288,829.98
Remaining funds due$288,829.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,257.80
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)$657.25
Initial HOA (3 months)$62.49
Prepaid interest, first (16 days)$295.53
Fees + prepaids$12,748.07
Your down payment is the seller’s equity. You take over the $249,698 balance, so the rest of the $525,780 price is paid at closing. A second mortgage can cover part of it. $288,829.98 is due at closing. Uses and sources reconcile at $538,528.07 each. Not a Closing Disclosure.