Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$210,679Cash toward the purchase price.
Closing costs + prepaids$14,729Not just lender fees.
Before credits & paid funds$225,408The complete starting cash picture.
Estimated remaining funds due at closing
$225,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,679.00
Your down payment$210,679.00
Closing costs + prepaids$14,729.38
Total buyer cash needed$225,408.38
Remaining funds due$225,408.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$1,860.75
Initial HOA (3 months)$318.00
Prepaid interest, first (30 days)$776.63
Fees + prepaids$14,729.38
Your down payment is the seller’s equity. You take over the $319,221 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $225,408.38 is due at closing. Uses and sources reconcile at $544,629.38 each. Not a Closing Disclosure.