Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$307,692Cash toward the purchase price.
Closing costs + prepaids$13,691Not just lender fees.
Before credits & paid funds$321,383The complete starting cash picture.
Estimated remaining funds due at closing
$321,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,692.13
Your down payment$307,692.13
Closing costs + prepaids$13,690.66
Total buyer cash needed$321,382.79
Remaining funds due$321,382.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$933.75
Initial HOA (3 months)$278.01
Prepaid interest, first (25 days)$653.90
Fees + prepaids$13,690.66
Your down payment is the seller’s equity. You take over the $227,308 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $321,382.79 is due at closing. Uses and sources reconcile at $548,690.66 each. Not a Closing Disclosure.