Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$314,024Cash toward the purchase price.
Closing costs + prepaids$13,982Not just lender fees.
Before credits & paid funds$328,005The complete starting cash picture.
Estimated remaining funds due at closing
$328,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,023.58
Your down payment$314,023.58
Closing costs + prepaids$13,981.66
Total buyer cash needed$328,005.24
Remaining funds due$328,005.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,418.75
Initial HOA (3 months)$93.75
Prepaid interest, first (28 days)$644.16
Fees + prepaids$13,981.66
Your down payment is the seller’s equity. You take over the $220,976 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $328,005.24 is due at closing. Uses and sources reconcile at $548,981.66 each. Not a Closing Disclosure.