Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$309,270Cash toward the purchase price.
Closing costs + prepaids$13,189Not just lender fees.
Before credits & paid funds$322,459The complete starting cash picture.
Estimated remaining funds due at closing
$322,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,270.34
Your down payment$309,270.34
Closing costs + prepaids$13,188.93
Total buyer cash needed$322,459.27
Remaining funds due$322,459.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.99
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)$809.00
Initial HOA (3 months)$84.00
Prepaid interest, first (30 days)$570.94
Fees + prepaids$13,188.93
Your down payment is the seller’s equity. You take over the $215,729 balance, so the rest of the $524,999 price is paid at closing. A second mortgage can cover part of it. $322,459.27 is due at closing. Uses and sources reconcile at $538,187.93 each. Not a Closing Disclosure.