Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$203,196Cash toward the purchase price.
Closing costs + prepaids$13,796Not just lender fees.
Before credits & paid funds$216,992The complete starting cash picture.
Estimated remaining funds due at closing
$216,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,195.58
Your down payment$203,195.58
Closing costs + prepaids$13,796.06
Total buyer cash needed$216,991.63
Remaining funds due$216,991.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$1,322.50
Prepaid interest, first (27 days)$708.56
Fees + prepaids$13,796.06
Your down payment is the seller’s equity. You take over the $325,804 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $216,991.63 is due at closing. Uses and sources reconcile at $542,796.06 each. Not a Closing Disclosure.