Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$301,808Cash toward the purchase price.
Closing costs + prepaids$13,702Not just lender fees.
Before credits & paid funds$315,509The complete starting cash picture.
Estimated remaining funds due at closing
$315,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,807.60
Your down payment$301,807.60
Closing costs + prepaids$13,701.68
Total buyer cash needed$315,509.29
Remaining funds due$315,509.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,240.00
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)$1,310.00
Prepaid interest, first (28 days)$676.68
Fees + prepaids$13,701.68
Your down payment is the seller’s equity. You take over the $222,192 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $315,509.29 is due at closing. Uses and sources reconcile at $537,701.68 each. Not a Closing Disclosure.