Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$233,135Cash toward the purchase price.
Closing costs + prepaids$12,975Not just lender fees.
Before credits & paid funds$246,109The complete starting cash picture.
Estimated remaining funds due at closing
$246,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,134.60
Your down payment$233,134.60
Closing costs + prepaids$12,974.78
Total buyer cash needed$246,109.38
Remaining funds due$246,109.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,247.00
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)$442.25
Initial HOA (3 months)$198.00
Prepaid interest, first (27 days)$612.53
Fees + prepaids$12,974.78
Your down payment is the seller’s equity. You take over the $291,565 balance, so the rest of the $524,700 price is paid at closing. A second mortgage can cover part of it. $246,109.38 is due at closing. Uses and sources reconcile at $537,674.78 each. Not a Closing Disclosure.