Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$312,421Cash toward the purchase price.
Closing costs + prepaids$12,523Not just lender fees.
Before credits & paid funds$324,943The complete starting cash picture.
Estimated remaining funds due at closing
$324,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,420.67
Your down payment$312,420.67
Closing costs + prepaids$12,522.67
Total buyer cash needed$324,943.34
Remaining funds due$324,943.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,349.90
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)$366.50
Initial HOA (3 months)$252.00
Prepaid interest, first (2 days)$79.27
Fees + prepaids$12,522.67
Your down payment is the seller’s equity. You take over the $222,569 balance, so the rest of the $534,990 price is paid at closing. A second mortgage can cover part of it. $324,943.34 is due at closing. Uses and sources reconcile at $547,512.67 each. Not a Closing Disclosure.