Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$193,829Cash toward the purchase price.
Closing costs + prepaids$13,102Not just lender fees.
Before credits & paid funds$206,932The complete starting cash picture.
Estimated remaining funds due at closing
$206,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,829.41
Your down payment$193,829.41
Closing costs + prepaids$13,102.14
Total buyer cash needed$206,931.54
Remaining funds due$206,931.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$1,136.50
Initial HOA (3 months)$264.99
Prepaid interest, first (1 days)$25.65
Fees + prepaids$13,102.14
Your down payment is the seller’s equity. You take over the $326,171 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $206,931.54 is due at closing. Uses and sources reconcile at $533,102.14 each. Not a Closing Disclosure.