Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$294,857Cash toward the purchase price.
Closing costs + prepaids$13,367Not just lender fees.
Before credits & paid funds$308,224The complete starting cash picture.
Estimated remaining funds due at closing
$308,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,856.92
Your down payment$294,856.92
Closing costs + prepaids$13,366.85
Total buyer cash needed$308,223.77
Remaining funds due$308,223.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$1,245.25
Initial HOA (3 months)$48.99
Prepaid interest, first (22 days)$397.61
Fees + prepaids$13,366.85
Your down payment is the seller’s equity. You take over the $225,143 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $308,223.77 is due at closing. Uses and sources reconcile at $533,366.85 each. Not a Closing Disclosure.