Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$207,128Cash toward the purchase price.
Closing costs + prepaids$14,592Not just lender fees.
Before credits & paid funds$221,720The complete starting cash picture.
Estimated remaining funds due at closing
$221,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,128.34
Your down payment$207,128.34
Closing costs + prepaids$14,592.00
Total buyer cash needed$221,720.34
Remaining funds due$221,720.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,280.00
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)$1,174.50
Initial HOA (3 months)$630.00
Prepaid interest, first (27 days)$1,032.50
Fees + prepaids$14,592.00
Your down payment is the seller’s equity. You take over the $320,872 balance, so the rest of the $528,000 price is paid at closing. A second mortgage can cover part of it. $221,720.34 is due at closing. Uses and sources reconcile at $542,592.00 each. Not a Closing Disclosure.