Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$345,550Cash toward the purchase price.
Closing costs + prepaids$12,973Not just lender fees.
Before credits & paid funds$358,523The complete starting cash picture.
Estimated remaining funds due at closing
$358,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,549.97
Your down payment$345,549.97
Closing costs + prepaids$12,972.74
Total buyer cash needed$358,522.72
Remaining funds due$358,522.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,270.00
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)$493.75
Initial HOA (3 months)$180.00
Prepaid interest, first (28 days)$553.99
Fees + prepaids$12,972.74
Your down payment is the seller’s equity. You take over the $181,450 balance, so the rest of the $527,000 price is paid at closing. A second mortgage can cover part of it. $358,522.72 is due at closing. Uses and sources reconcile at $539,972.74 each. Not a Closing Disclosure.