Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$249,600Cash toward the purchase price.
Closing costs + prepaids$12,734Not just lender fees.
Before credits & paid funds$262,334The complete starting cash picture.
Estimated remaining funds due at closing
$262,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,599.65
Your down payment$249,599.65
Closing costs + prepaids$12,733.93
Total buyer cash needed$262,333.58
Remaining funds due$262,333.58
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)$581.75
Initial HOA (3 months)$405.00
Prepaid interest, first (1 days)$22.18
Fees + prepaids$12,733.93
Your down payment is the seller’s equity. You take over the $275,400 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $262,333.58 is due at closing. Uses and sources reconcile at $537,733.93 each. Not a Closing Disclosure.