Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$306,815Cash toward the purchase price.
Closing costs + prepaids$12,931Not just lender fees.
Before credits & paid funds$319,746The complete starting cash picture.
Estimated remaining funds due at closing
$319,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,814.70
Your down payment$306,814.70
Closing costs + prepaids$12,931.03
Total buyer cash needed$319,745.73
Remaining funds due$319,745.73
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)$536.00
Prepaid interest, first (25 days)$630.03
Fees + prepaids$12,931.03
Your down payment is the seller’s equity. You take over the $222,185 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $319,745.73 is due at closing. Uses and sources reconcile at $541,931.03 each. Not a Closing Disclosure.