Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$204,578Cash toward the purchase price.
Closing costs + prepaids$13,739Not just lender fees.
Before credits & paid funds$218,317The complete starting cash picture.
Estimated remaining funds due at closing
$218,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,577.58
Your down payment$204,577.58
Closing costs + prepaids$13,739.43
Total buyer cash needed$218,317.00
Remaining funds due$218,317.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,300.00
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)$1,136.50
Initial HOA (3 months)$264.99
Prepaid interest, first (22 days)$562.94
Fees + prepaids$13,739.43
Your down payment is the seller’s equity. You take over the $325,422 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $218,317.00 is due at closing. Uses and sources reconcile at $543,739.43 each. Not a Closing Disclosure.