Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$292,708Cash toward the purchase price.
Closing costs + prepaids$14,880Not just lender fees.
Before credits & paid funds$307,588The complete starting cash picture.
Estimated remaining funds due at closing
$307,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,707.52
Your down payment$292,707.52
Closing costs + prepaids$14,880.19
Total buyer cash needed$307,587.71
Remaining funds due$307,587.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.90
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)$2,273.75
Initial HOA (3 months)$33.00
Prepaid interest, first (26 days)$898.54
Fees + prepaids$14,880.19
Your down payment is the seller’s equity. You take over the $227,282 balance, so the rest of the $519,990 price is paid at closing. A second mortgage can cover part of it. $307,587.71 is due at closing. Uses and sources reconcile at $534,870.19 each. Not a Closing Disclosure.