Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$286,991Cash toward the purchase price.
Closing costs + prepaids$13,065Not just lender fees.
Before credits & paid funds$300,056The complete starting cash picture.
Estimated remaining funds due at closing
$300,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,991.20
Your down payment$286,991.20
Closing costs + prepaids$13,064.62
Total buyer cash needed$300,055.81
Remaining funds due$300,055.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,189.90
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)$622.75
Initial HOA (3 months)$240.00
Prepaid interest, first (12 days)$536.97
Fees + prepaids$13,064.62
Your down payment is the seller’s equity. You take over the $231,999 balance, so the rest of the $518,990 price is paid at closing. A second mortgage can cover part of it. $300,055.81 is due at closing. Uses and sources reconcile at $532,054.62 each. Not a Closing Disclosure.