Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$372,955Cash toward the purchase price.
Closing costs + prepaids$14,693Not just lender fees.
Before credits & paid funds$387,648The complete starting cash picture.
Estimated remaining funds due at closing
$387,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$372,955.01
Your down payment$372,955.01
Closing costs + prepaids$14,693.28
Total buyer cash needed$387,648.29
Remaining funds due$387,648.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,998.50
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$569.78
Fees + prepaids$14,693.28
Your down payment is the seller’s equity. You take over the $162,045 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $387,648.29 is due at closing. Uses and sources reconcile at $549,693.28 each. Not a Closing Disclosure.