Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$327,662Cash toward the purchase price.
Closing costs + prepaids$13,611Not just lender fees.
Before credits & paid funds$341,273The complete starting cash picture.
Estimated remaining funds due at closing
$341,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,662.04
Your down payment$327,662.04
Closing costs + prepaids$13,610.52
Total buyer cash needed$341,272.56
Remaining funds due$341,272.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$1,129.75
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$490.77
Fees + prepaids$13,610.52
Your down payment is the seller’s equity. You take over the $201,338 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $341,272.56 is due at closing. Uses and sources reconcile at $542,610.52 each. Not a Closing Disclosure.