Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$316,025Cash toward the purchase price.
Closing costs + prepaids$13,326Not just lender fees.
Before credits & paid funds$329,352The complete starting cash picture.
Estimated remaining funds due at closing
$329,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,025.30
Your down payment$316,025.30
Closing costs + prepaids$13,326.24
Total buyer cash needed$329,351.53
Remaining funds due$329,351.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,298.00
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)$556.00
Initial HOA (3 months)$320.01
Prepaid interest, first (31 days)$677.23
Fees + prepaids$13,326.24
Your down payment is the seller’s equity. You take over the $213,775 balance, so the rest of the $529,800 price is paid at closing. A second mortgage can cover part of it. $329,351.53 is due at closing. Uses and sources reconcile at $543,126.24 each. Not a Closing Disclosure.