Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$344,821Cash toward the purchase price.
Closing costs + prepaids$12,719Not just lender fees.
Before credits & paid funds$357,540The complete starting cash picture.
Estimated remaining funds due at closing
$357,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,820.76
Your down payment$344,820.76
Closing costs + prepaids$12,719.32
Total buyer cash needed$357,540.08
Remaining funds due$357,540.08
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)$478.00
Initial HOA (3 months)$122.01
Prepaid interest, first (31 days)$494.31
Fees + prepaids$12,719.32
Your down payment is the seller’s equity. You take over the $170,179 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $357,540.08 is due at closing. Uses and sources reconcile at $527,719.32 each. Not a Closing Disclosure.