Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$255,625Cash toward the purchase price.
Closing costs + prepaids$13,350Not just lender fees.
Before credits & paid funds$268,975The complete starting cash picture.
Estimated remaining funds due at closing
$268,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,625.35
Your down payment$255,625.35
Closing costs + prepaids$13,349.69
Total buyer cash needed$268,975.04
Remaining funds due$268,975.04
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)$705.00
Initial HOA (3 months)$626.01
Prepaid interest, first (20 days)$393.68
Fees + prepaids$13,349.69
Your down payment is the seller’s equity. You take over the $259,375 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $268,975.04 is due at closing. Uses and sources reconcile at $528,349.69 each. Not a Closing Disclosure.