Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$337,860Cash toward the purchase price.
Closing costs + prepaids$13,025Not just lender fees.
Before credits & paid funds$350,885The complete starting cash picture.
Estimated remaining funds due at closing
$350,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,860.00
Your down payment$337,860.00
Closing costs + prepaids$13,024.67
Total buyer cash needed$350,884.67
Remaining funds due$350,884.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$625.25
Initial HOA (3 months)$207.00
Prepaid interest, first (22 days)$427.42
Fees + prepaids$13,024.67
Your down payment is the seller’s equity. You take over the $191,140 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $350,884.67 is due at closing. Uses and sources reconcile at $542,024.67 each. Not a Closing Disclosure.