Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$223,487Cash toward the purchase price.
Closing costs + prepaids$14,602Not just lender fees.
Before credits & paid funds$238,089The complete starting cash picture.
Estimated remaining funds due at closing
$238,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,486.88
Your down payment$223,486.88
Closing costs + prepaids$14,602.26
Total buyer cash needed$238,089.15
Remaining funds due$238,089.15
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)$1,700.25
Prepaid interest, first (24 days)$1,137.01
Fees + prepaids$14,602.26
Your down payment is the seller’s equity. You take over the $305,513 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $238,089.15 is due at closing. Uses and sources reconcile at $543,602.26 each. Not a Closing Disclosure.