Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$315,040Cash toward the purchase price.
Closing costs + prepaids$12,805Not just lender fees.
Before credits & paid funds$327,846The complete starting cash picture.
Estimated remaining funds due at closing
$327,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,040.02
Your down payment$315,040.02
Closing costs + prepaids$12,805.48
Total buyer cash needed$327,845.50
Remaining funds due$327,845.50
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)$360.00
Initial HOA (3 months)$162.51
Prepaid interest, first (27 days)$607.97
Fees + prepaids$12,805.48
Your down payment is the seller’s equity. You take over the $204,960 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $327,845.50 is due at closing. Uses and sources reconcile at $532,805.48 each. Not a Closing Disclosure.