Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$291,408Cash toward the purchase price.
Closing costs + prepaids$13,611Not just lender fees.
Before credits & paid funds$305,019The complete starting cash picture.
Estimated remaining funds due at closing
$305,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,408.49
Your down payment$291,408.49
Closing costs + prepaids$13,610.65
Total buyer cash needed$305,019.14
Remaining funds due$305,019.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,270.00
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)$725.25
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$870.40
Fees + prepaids$13,610.65
Your down payment is the seller’s equity. You take over the $235,592 balance, so the rest of the $527,000 price is paid at closing. A second mortgage can cover part of it. $305,019.14 is due at closing. Uses and sources reconcile at $540,610.65 each. Not a Closing Disclosure.