Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$224,155Cash toward the purchase price.
Closing costs + prepaids$13,291Not just lender fees.
Before credits & paid funds$237,446The complete starting cash picture.
Estimated remaining funds due at closing
$237,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,154.89
Your down payment$224,154.89
Closing costs + prepaids$13,290.78
Total buyer cash needed$237,445.67
Remaining funds due$237,445.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$727.25
Initial HOA (3 months)$306.00
Prepaid interest, first (27 days)$632.53
Fees + prepaids$13,290.78
Your down payment is the seller’s equity. You take over the $290,845 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $237,445.67 is due at closing. Uses and sources reconcile at $528,290.78 each. Not a Closing Disclosure.