Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$285,054Cash toward the purchase price.
Closing costs + prepaids$14,145Not just lender fees.
Before credits & paid funds$299,198The complete starting cash picture.
Estimated remaining funds due at closing
$299,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,053.85
Your down payment$285,053.85
Closing costs + prepaids$14,144.51
Total buyer cash needed$299,198.36
Remaining funds due$299,198.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.90
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)$1,325.00
Initial HOA (3 months)$402.00
Prepaid interest, first (28 days)$642.61
Fees + prepaids$14,144.51
Your down payment is the seller’s equity. You take over the $244,936 balance, so the rest of the $529,990 price is paid at closing. A second mortgage can cover part of it. $299,198.36 is due at closing. Uses and sources reconcile at $544,134.51 each. Not a Closing Disclosure.