Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$197,485Cash toward the purchase price.
Closing costs + prepaids$13,050Not just lender fees.
Before credits & paid funds$210,535The complete starting cash picture.
Estimated remaining funds due at closing
$210,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,485.42
Your down payment$197,485.42
Closing costs + prepaids$13,049.93
Total buyer cash needed$210,535.35
Remaining funds due$210,535.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$563.75
Initial HOA (3 months)$60.00
Prepaid interest, first (30 days)$801.18
Fees + prepaids$13,049.93
Your down payment is the seller’s equity. You take over the $317,515 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $210,535.35 is due at closing. Uses and sources reconcile at $528,049.93 each. Not a Closing Disclosure.