Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$216,111Cash toward the purchase price.
Closing costs + prepaids$15,381Not just lender fees.
Before credits & paid funds$231,492The complete starting cash picture.
Estimated remaining funds due at closing
$231,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,110.79
Your down payment$216,110.79
Closing costs + prepaids$15,380.99
Total buyer cash needed$231,491.77
Remaining funds due$231,491.77
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)$2,312.50
Initial HOA (3 months)$621.99
Prepaid interest, first (30 days)$681.50
Fees + prepaids$15,380.99
Your down payment is the seller’s equity. You take over the $312,889 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $231,491.77 is due at closing. Uses and sources reconcile at $544,380.99 each. Not a Closing Disclosure.