Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$278,547Cash toward the purchase price.
Closing costs + prepaids$12,575Not just lender fees.
Before credits & paid funds$291,122The complete starting cash picture.
Estimated remaining funds due at closing
$291,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,546.99
Your down payment$278,546.99
Closing costs + prepaids$12,575.39
Total buyer cash needed$291,122.38
Remaining funds due$291,122.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$630.00
Prepaid interest, first (12 days)$220.39
Fees + prepaids$12,575.39
Your down payment is the seller’s equity. You take over the $246,453 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $291,122.38 is due at closing. Uses and sources reconcile at $537,575.39 each. Not a Closing Disclosure.