Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$302,073Cash toward the purchase price.
Closing costs + prepaids$12,814Not just lender fees.
Before credits & paid funds$314,887The complete starting cash picture.
Estimated remaining funds due at closing
$314,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,072.60
Your down payment$302,072.60
Closing costs + prepaids$12,814.21
Total buyer cash needed$314,886.81
Remaining funds due$314,886.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$349.25
Initial HOA (3 months)$151.26
Prepaid interest, first (27 days)$639.70
Fees + prepaids$12,814.21
Your down payment is the seller’s equity. You take over the $217,827 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $314,886.81 is due at closing. Uses and sources reconcile at $532,714.21 each. Not a Closing Disclosure.